Dayton, OH
First-time buying in Dayton, OH? Start here.
A Dayton home within reach: FHA, conventional, first-time-buyer — run against your real Dayton numbers, Oregon District to the far side of Dayton.
Buying in Dayton: the numbers that matter.
Dayton anchors the Miami Valley as a hub for aerospace, defense, and healthcare, with Wright-Patterson Air Force Base as the largest area employer and a research ecosystem from the University of Dayton to Wright State; walkable historic districts deliver Craftsman and Victorian stock at among the most attainable prices in any major Ohio metro.
Financing follows that Dayton math. A one-unit Dayton purchase conforms to $832,750 in 2026 — the national baseline Montgomery County runs on. That $832,750 ceiling covers most Dayton price points — conventional, FHA, down-payment-assistance all stay on the Dayton table. Per FHFA’s 2026 schedule — we’ll check your exact numbers.
Some 143,000-plus people live in Dayton — Oregon District, Dayton View, and between — a short drive from Beavercreek or Huber Heights. Ask us about Dayton blocks near the National Museum of the US Air Force — that’s the level we work at. Name the Dayton neighborhood — Oregon District, South Park, Wright-Dunbar Village, and Dayton View or beyond — and we finance there. A Dayton broker without the drive: we handle Dayton loans by phone and online, and the Dayton market knowledge travels with us. Of the 33 Ohio cities we serve, Dayton plays by its own numbers — that’s the point: the Dayton file, not a state template.
Dayton deserves a real broker.
Dayton, block by block
We work Dayton street by street — Oregon District, South Park, Wright-Dunbar Village and beyond — matching each neighborhood's prices to programs that fit.
First Dayton home help
Dayton budgets get the full toolkit — FHA, conventional, first-time-buyer — plus every assistance program a Dayton file can claim.
We shop; you choose
Instead of one bank's rates, your Dayton application sees many lenders — that's the whole point of a broker in Dayton.
Owner-handled
Your Dayton file is handled by owner Esther Buede herself — in Dayton or Beavercreek, hers is the name buyers recognize from our reviews.
One owner, handling your whole loan.
Your Dayton loan gets the owner, not a queue: Esther Buede, licensed (individual NMLS #2003644), closing since 2005. One person, your whole Dayton loan — from South Park across the Dayton map. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your Dayton purchase, not a template.
Dayton’s pull — think the National Museum of the US Air Force — keeps FHA work coming. FHA, conventional, first-time-buyer carry most of our Dayton work (via our licensed partner-broker network) — and beyond those, Dayton buyers get the full menu: non-QM, conventional, FHA, and VA. Start when you’re ready: buying, refinancing, or just exploring — start your application here or call (949) 522-7310.
Buyers in Beavercreek, Huber Heights, Kettering get the same treatment as Dayton files. More Ohio cities we work in →
Licensed in California (NMLS #2629064), Choice Home Mortgage helps Dayton, OH buyers through licensed partner brokers. Equal Housing Opportunity. We serve Dayton remotely; there is no local Dayton office.
Straight answers for Dayton buyers.
How high can a conforming loan go in Dayton?
Dayton follows the $832,750 national baseline for 2026; a bigger Dayton loan goes jumbo. FHFA-published — we'll check your exact numbers.
Which programs fit Dayton first-time buyers?
For Dayton first-timers the workhorses are FHA, conventional, first-time-buyer. We match Dayton buyers to the down-payment and first-time programs their file qualifies for.
Which Dayton neighborhoods do you serve?
Oregon District, South Park, Wright-Dunbar Village, Dayton View — and the rest of Dayton with them. We finance across the whole Dayton map; the loan terms come from your file.
Can an out-of-state broker really cover Dayton, OH?
Yes: Dayton, OH purchases run through licensed partner brokers while we (California NMLS #2629064) coordinate the Dayton process and lender shopping.
Can you help outside Dayton too?
Coverage doesn't stop at Dayton: Beavercreek, Huber Heights, Kettering are all workable, each on its own county numbers.
How do we work together on a Dayton purchase?
No office needed. A Dayton file moves digitally — application through final documents — with us coordinating lenders and licensed partner brokers covering OH.
Your Dayton keys are the goal.
Talk to the owner directly. We'll map the right loan for your Dayton home and put lenders in competition for Dayton business.