Kettering, OH
Buy your first Kettering, OH home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Kettering budgets. We walk you through every step.
How Kettering buyers get to the closing table.
Kettering is the most populous Dayton suburb in Montgomery County, with a stable healthcare base anchored by Kettering Health Network and proximity to Wright-Patterson Air Force Base, which generates civilian-federal and active-duty buyer demand; its mid-century stock offers the most square footage per dollar in the Dayton metro’s closest-in tier.
That market shapes the loan. In Montgomery County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Kettering purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Kettering from the ground up — close to the Fraze Pavilion for the Performing Arts. We finance homes across South Kettering, Dorothy Lane/Far Hills corridor, Stroop Road area, and Lincoln Park area — and every other corner of Kettering. Looking for a mortgage broker near you in Kettering? 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.
Kettering market knowledge
Near the Fraze Pavilion for the Performing Arts, across South Kettering, Dorothy Lane/Far Hills corridor, Stroop Road area — we know Kettering's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Kettering buyers often start with conventional, FHA, VA — 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 Kettering file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Kettering loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Kettering, 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 →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Kettering financing that fits the home and the borrower.
For Kettering we lean on conventional, FHA, VA 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 Kettering, we also help buyers in Beavercreek, Dayton, Huber Heights. See all Ohio cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Kettering, OH buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Kettering office.
Kettering mortgage questions, answered.
What's the 2026 conforming loan limit in Kettering?
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 Kettering?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Kettering. We match you to the ones you qualify for.
Which Kettering neighborhoods do you serve?
We serve buyers across Kettering, including South Kettering, Dorothy Lane/Far Hills corridor, Stroop Road area. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Kettering, OH?
Yes. We help Kettering 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 Kettering?
Yes — we also work with buyers in nearby Beavercreek, Dayton, Huber Heights. Same process, local loan-limit details for each.
Let's finance your Kettering home.
Straight answers on your Kettering options, and a broker who shops the whole market so you don't have to.