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Dayton Home Purchase Loans

Dayton, Ohio is the county seat of Montgomery County and its largest city. The Dayton Metropolitan Statistical area includes Montgomery, Miami, Greene and Preble counties. Dayton is situated within the Miami Valley region of Ohio, just north of the Cincinnati metropolitan area. Dayton plays host to significant industrial, aerospace, and technological/engineering research activity and is known for the many technical innovations and inventions developed there.

If you are relocating to Dayton, Ohio, or are a resident considering a home purchase, now is the time to buy. Home sales in the April-through-June quarter fell 10.5% in Ohio, a state hit hard by the foreclosure crisis. "In many areas with large concentrations of foreclosure sales, homes are being purchased below replacement cost values," association President Richard Gaylord said in a release. "Many buyers with long-term expectations are getting exceptional value in the current market. Once the inventory is drawn down, price pressure will return because the costs of construction are rising."

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Dayton Home Buying with FHA Loans

While conventional lenders have tightened their lending standards, FHA home buying still remains a viable option for those with credit scores of less than 700. Dayton home purchase loans made through FHA only require a 3% down payment. And, you get low, fixed interest rates with FHA even with past credit problems. Getting a 97 percent loan to value through a conventional lender is unheard of. Dayton home buying with FHA is the best way to go.

FHA has temporarily raised the loan limit to $271,050 for single-family homes. But, itís expiring on December 31, 2008. Plus, the down payment requirement is being raised to 3.5% and seller-funded down payment assistance will no longer be allowed as of October 1, 2008. So, you need to act fast to get Dayton home financing through FHA.


15-Year FHA Rates | 30-Year FHA Rates | 5-Year ARM Rates
All FHA mortgage products are provided by FHA Home Loan Services, which may arrange loans with third party providers. FHA Home Loan Services is national mortgage lender. Not everyone will qualify for a government insured mortgage. FHA Home Loan Services cannot guarantee all loans will be made or whether all loan applications will be approved by the investing bank.
This is not a commitment for a FHA house loan or an advertisement for credit as defined by paragraph 226.24 of regulation Z.
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