Dayton, OH
Buy your first Dayton, OH home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Dayton budgets. We walk you through every step.
How Dayton buyers get to the closing table.
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.
That market shapes the loan. In Montgomery County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Dayton purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and conventional options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Dayton from the ground up — close to the National Museum of the US Air Force. We finance homes across Oregon District, South Park, Wright-Dunbar Village, and Dayton View — and every other corner of Dayton. Looking for a mortgage broker near you in Dayton? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
Dayton market knowledge
Near the National Museum of the US Air Force, across Oregon District, South Park, Wright-Dunbar Village — we know Dayton's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Dayton buyers often start with FHA, conventional, first-time-buyer — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Dayton file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Dayton loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Dayton, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Dayton financing that fits the home and the borrower.
For Dayton we lean on FHA, conventional, first-time-buyer through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Dayton, we also help buyers in Beavercreek, Huber Heights, Kettering. See all Ohio cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Dayton, OH buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Dayton office.
Dayton mortgage questions, answered.
What's the 2026 conforming loan limit in Dayton?
In Montgomery County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
What loans help first-time buyers in Dayton?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Dayton. We match you to the ones you qualify for.
Which Dayton neighborhoods do you serve?
We serve buyers across Dayton, including Oregon District, South Park, Wright-Dunbar Village. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Dayton, OH?
Yes. We help Dayton homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate OH financing for you.
Do you serve areas near Dayton?
Yes — we also work with buyers in nearby Beavercreek, Huber Heights, Kettering. Same process, local loan-limit details for each.
Let's finance your Dayton home.
Straight answers on your Dayton options, and a broker who shops the whole market so you don't have to.