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No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best mortgage possible for your unique scenario!

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USDA

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Mortgage Home Loan

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.  Learn More
2

Appraisal

The appraisal insures the home you are buying is worth the price that is being offered. Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic. Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions. Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met. Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home! Learn More

Documentation:

Appraisal:

Underwriting:

Conditional Approval:

Clear to Close:

Closing:

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All about Columbus

Columbus is the state capital and the most populous city in the U.S. state of Ohio. With a population of 905,748 for the 2020 census, it is the 14th-most populous city in the U.S., the second-most populous city in the Midwest after Chicago, and the third-most populous state capital. Columbus is the county seat of Franklin County; it also extends into Delaware and Fairfield counties. It is the core city of the Columbus, OH Metropolitan Statistical Area, which encompasses ten counties. The metropolitan area has a 2020 population of 2,138,926, making it the largest entirely in Ohio.

Source: https://en.wikipedia.org/wiki/Columbus,_Ohio

Origins of Columbus

Columbus originated as numerous Native American settlements on the banks of the Scioto River. Franklinton, now a city neighborhood, was the first white settlement, laid out in 1797. The city was founded in 1812, at the confluence of the Scioto and Olentangy rivers, and laid out to become the state capital. The city was named for Italian explorer Christopher Columbus. The city assumed the function of state capital in 1816 and county seat in 1824. Amid steady years of growth and industrialization, the city has experienced numerous floods and recessions. Beginning in the 1950s, Columbus began to experience significant growth; it became the largest city in Ohio in land and population by the early 1990s. The 1990s and 2000s saw redevelopment in numerous city neighborhoods, including downtown.

Source: https://en.wikipedia.org/wiki/Columbus,_Ohio

Economy in Columbus

The city has a diverse economy based on education, government, insurance, banking, defense, aviation, food, clothes, logistics, steel, energy, medical research, health care, hospitality, retail, and technology. The metropolitan area is home to the Battelle Memorial Institute, the world’s largest private research and development foundation; Chemical Abstracts Service, the world’s largest clearinghouse of chemical information; and Ohio State University, one of the largest universities in the United States. As of 2021, the Greater Columbus area is home to the headquarters of six corporations in the U.S. Fortune 500: Cardinal Health, American Electric Power, L Brands, Nationwide, Alliance Data, and Huntington Bancshares.

Source: https://en.wikipedia.org/wiki/Columbus,_Ohio

Columbus Image Gallery

The Name of Columbus

The city of Columbus was named after 15th-century Italian explorer Christopher Columbus at the city’s founding in 1812. It is the largest city in the world named for the explorer, who sailed to and settled parts of the Americas on behalf of Isabella I of Castile and Spain. Although no reliable history exists as to why Columbus, who had no connection to the city or state of Ohio before the city’s founding, was chosen as the name for the city, the book Columbus: The Story of a City indicates a state lawmaker and local resident admired the explorer enough to persuade other lawmakers to name the settlement Columbus.

Since the late 20th century, historians have criticized Columbus for initiating the European conquest of America and for abuse, enslavement, and subjugation of natives. Efforts to remove symbols related to the explorer in the city date to the 1990s. Amid the George Floyd protests in 2020, several petitions pushed for the city to be renamed.

Nicknames for the city have included “the Discovery City”,Arch City“, “Cap City”, “Indie Art Capital”,Cowtown“, “The Biggest Small Town in America”, and “Cbus”.

Source: https://en.wikipedia.org/wiki/Columbus,_Ohio

Columbus’ Climate

The city’s climate is humid continental transitional with the humid subtropical climate to the south characterized by warm, muggy summers and cold, dry winters. Columbus is within USDA hardiness zone 6a. Winter snowfall is relatively light, since the city is not in the typical path of strong winter lows, such as the Nor’easters that strike cities farther east. It is also too far south and west for lake-effect snow from Lake Erie to have much effect, although the lakes to the North contribute to long stretches of cloudy spells in winter.

The highest temperature recorded in Columbus was 106 °F (41 °C), which occurred twice during the Dust Bowl of the 1930s—once on July 21, 1934, and again on July 14, 1936. The lowest recorded temperature was −22 °F (−30 °C), occurring on January 19, 1994.

Columbus is subject to severe weather typical to the Midwestern United States. Severe thunderstorms can bring lightning, large hail and on rare occasion tornadoes, especially during the spring and sometimes through fall. A tornado that occurred on October 11, 2006 caused F2 damage. Floods, blizzards, and ice storms can also occur from time to time.

Source: https://en.wikipedia.org/wiki/Columbus,_Ohio

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Kim Ricci

Division Regional Manager  //  NMLS #270262

Hi, My name is Kim. I am a Division Regional Manager with the Mortgage Banking Firm, LeaderOne Financial Corporation. We specialize in residential home loans for real estate purchase and refinances, including VA loans. Our vision is honest and integrity, our customer service is phenomenal, I go above and beyond to help you with your financing needs. I carry licenses in OH, FL, IL, MA, CT, VT, SC, NC, GA, AL, WI, MI, PA and AZ.

kimricci@leader1.com(330) 352-4157
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