Lima, OH
Buy your first Lima, OH home with confidence.
FHA, down-payment-assistance, and first-time-buyer programs that fit Lima budgets. We walk you through every step.
What financing a Lima home really takes.
Lima anchors northwest Ohio as Allen County’s seat, with oil-refining and manufacturing roots that have diversified into healthcare and logistics; its position as the region’s commercial hub creates sustained demand for starter and move-up housing at attainable price points well within conventional limits.
That market shapes the loan. In Allen County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Lima purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and first-time-buyer options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Lima from the ground up — close to the Allen County Museum. We finance homes across West Side, South Lima, East Side, and Downtown Lima — and every other corner of Lima. Looking for a mortgage broker near you in Lima? 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.
Lima market knowledge
Near the Allen County Museum, across West Side, South Lima, East Side — we know Lima's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Lima buyers often start with FHA, first-time-buyer, down-payment-assistance — 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 Lima file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Lima loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Lima, 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 →
“This Duo is amazing. Esther helped with all of the loan documentation and made the whole process the best house buying experience we've ever had.”
The right Lima loan for your situation.
For Lima we lean on FHA, first-time-buyer, down-payment-assistance 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 Lima, we also help buyers in Findlay, Fort Wayne, Springfield. See all Ohio cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Lima, OH buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Lima office.
Lima mortgage questions, answered.
What's the 2026 conforming loan limit in Lima?
In Allen 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 Lima?
FHA loans, down-payment-assistance, and first-time-buyer programs are common paths in Lima. We match you to the ones you qualify for.
Which Lima neighborhoods do you serve?
We serve buyers across Lima, including West Side, South Lima, East Side. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Lima, OH?
Yes. We help Lima 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 Lima?
Yes — we also work with buyers in nearby Findlay, Fort Wayne, Springfield. Same process, local loan-limit details for each.
Let's finance your Lima home.
Talk to the owner directly. We'll map the right loan for your Lima home and put lenders in competition for it.