Home Loans | Mortgages | Western Ohio Mortgage

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We offer the assistance you need to help in all of your mortgage endeavors. whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable.

Reverse Mortgages

Reverse mortgage loans are a way for older homeowners to convert their home's value into tax-free cash, without having to sell or move, HUD allows Homeowners who are 62 or older to borrow against the equity of their homes.

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USDA Loans

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metro area by USDA

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Home Purchase

FREE Home Mortgage Pre-Qualification! Do you know how much home you can afford? Take the first step to getting a pre-qualified in just 60 or less!

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Home refinance

Are you paying too much for your mortgage? Answer these questions below to calculate a possible lower mortgage rate & payment in just 60 seconds or less!

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Contact Us

Western Ohio Mortgage Corporation is ready to take your call!

733 Fair Rd.
Sidney, OH 45365

Trose@westernohiomortgage.com

800-736-8485

9601

What Higher Mortgage Limits Mean for Homebuyers in 2026

What Higher Mortgage Limits Mean for Homebuyers in 2026

Feb 19, 2026

The 2026 loan limit increases expanded borrowing power for conventional, VA, and FHA loans. Learn how these new conforming loan limits impact your home buying strategy.

FHA Refinancing Options: A Practical Guide for Homeowners

FHA Refinancing Options: A Practical Guide for Homeowners

Feb 17, 2026

Explore FHA refinance options to lower payments, improve loan terms, or access home equity with flexible qualification requirements.

Can You Purchase Two Houses at the Same Time?

Can You Purchase Two Houses at the Same Time?

Feb 12, 2026

Yes, you can! Learn how financing works, lender requirements, loan options, and what it takes to qualify for buying multiple homes simultaneously.

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Rating

4.9

353 reviews

Write a Review

Adam and his team made the entire home buying process a breeze. Endless help and communication whenever we needed it. Kind and responsive which was great as we communicated primarily through email, which was ideal for us. Th ...

Adam and his team made the entire home buying process a breeze. Endless help and communication whenever we needed it. Kind and responsive which was great as we communicated primarily through email, which was ideal for us. They are professional but personable enough that speaking with them was easy. As a young couple purchasing their first home, we felt heard and knew they would answer any questions we had. We are happy to have gotten to work with this team. Thank you so much Adam, Justin, Kylie and Kayla!

1 week ago

Posted on Google

Great communication went above and beyond to get the deal done! Highly recommend them very Friendly Trustworthy and willing to do what it takes!

Great communication went above and beyond to get the deal done! Highly recommend them very Friendly Trustworthy and willing to do what it takes!

2 weeks ago

Posted on Google

Amazing people to work with very helpful definitely worth it in the end now I have a beautiful home to call my own thank you so much

Amazing people to work with very helpful definitely worth it in the end now I have a beautiful home to call my own thank you so much

1 month ago

Posted on Google

Working with Justin was a pleasure. Everyone was incredibly easy to work with and extremely polite. They explained everything thoroughly and made the process super smooth. 100% would recommend.

Working with Justin was a pleasure. Everyone was incredibly easy to work with and extremely polite. They explained everything thoroughly and made the process super smooth. 100% would recommend.

1 month ago

Posted on Google

Chad Perk at WOMC was GREAT to work with! Responsive, Honest and Knowledgeable. We could not have asked for a better experience with our Construction to Perm Refinance. THANKS Chad!

Chad Perk at WOMC was GREAT to work with! Responsive, Honest and Knowledgeable. We could not have asked for a better experience with our Construction to Perm Refinance. THANKS Chad!

2 months ago

Posted on Google

I can't say enough good things about Adam and his team. Just completed a refinance with them. Adam is very responsive, knowledgeable and willing to go the extra mile!

I can't say enough good things about Adam and his team. Just completed a refinance with them. Adam is very responsive, knowledgeable and willing to go the extra mile!

2 months ago

Posted on Google

Adam and his team were great to work with. They helped me through the process and made the experience as positive as possible.

Adam and his team were great to work with. They helped me through the process and made the experience as positive as possible.

William Stewart

2 months ago

Posted on Google

10 out of 10 recommend Western Ohio mortgage. Adam is great to work with, always open communication and answers emails very quickly. Makes the refinancing process or homebuying process very easy to deal with, and everything is mostly sent electronically s ...

10 out of 10 recommend Western Ohio mortgage. Adam is great to work with, always open communication and answers emails very quickly. Makes the refinancing process or homebuying process very easy to deal with, and everything is mostly sent electronically so it is an easy process to understand and get paperwork signed very quickly. He also answers any questions that you may have, to the best of his knowledge or the best of his ability, if not, then he gets back with you In a timely manner to get your questions answered.

2 months ago

Posted on Google

Very responsive and knowledgeable.

Very responsive and knowledgeable.

2 months ago

Posted on Google

Thank you so much to all team Western Ohio Mortgage for all help and special to Adam for explain me everything and guide me step-by-step at closing.

Thank you so much to all team Western Ohio Mortgage for all help and special to Adam for explain me everything and guide me step-by-step at closing.

2 months ago

Posted on Google

Everyone was great communicating what was needed and helped when we had questions or needed to make changes.

Everyone was great communicating what was needed and helped when we had questions or needed to make changes.

2 months ago

Posted on Google

We did most of the process online and through email. Quick to respond to questions with knowledge and logic. Made everything smooth and as easy as possible. Great group to work with.

We did most of the process online and through email. Quick to respond to questions with knowledge and logic. Made everything smooth and as easy as possible. Great group to work with.

3 months ago

Posted on Google

Chad went above and beyond for us.After discovering our former mortgage company screwed something up and chad took the time to figure out exactly what it was. He is the best!

Chad went above and beyond for us.After discovering our former mortgage company screwed something up and chad took the time to figure out exactly what it was. He is the best!

Browns Fan Since 1972

3 months ago

Posted on Google

Adam and his team are the best! Very knowledgeable and friendly! They do care about their customers! Highly recommended!

Adam and his team are the best! Very knowledgeable and friendly! They do care about their customers! Highly recommended!

colby ransbottom

3 months ago

Posted on Google

Adam made this transaction so easy! He was able to meet a time constraint, and keep it very professional!

Adam made this transaction so easy! He was able to meet a time constraint, and keep it very professional!

Brandon Beinker

3 months ago

Posted on Google

We have been working with Western Ohio mortgage for years. Adam and everyone there has helped us get our house several years ago in Sidney oh and then after I retired, I moved back here to this side of Ohio and they've been very helpful in getting us thro ...

We have been working with Western Ohio mortgage for years. Adam and everyone there has helped us get our house several years ago in Sidney oh and then after I retired, I moved back here to this side of Ohio and they've been very helpful in getting us through this home purchase.they went above and beyond. And it doesn't matter where in Ohio you are from, give these guys a call, you won't regret it.

4 months ago

Posted on Google

WOMG was amazing!! Everyone was so friendly and super helpful! Kayla and Kylie rock with their process and getting everything ready for underwriting...everyone made this a smooth and pleasant transition within 30 days!! We are in our new home and couldn't ...

WOMG was amazing!! Everyone was so friendly and super helpful! Kayla and Kylie rock with their process and getting everything ready for underwriting...everyone made this a smooth and pleasant transition within 30 days!! We are in our new home and couldn't be more blessed!! Thank you Adam and Justin and the whole crew You Rock!!!

Cynthia Fischer

4 months ago

Posted on Google

Adam and his team were wonderful to work with! He updated us during every step of the loan process. Kylie and Kayla were extremely helpful and answered all of my questions clearly and quickly, they made the loan process painless and quick. With their expe ...

Adam and his team were wonderful to work with! He updated us during every step of the loan process. Kylie and Kayla were extremely helpful and answered all of my questions clearly and quickly, they made the loan process painless and quick. With their expertise we were able to close in just 17 days.

CHRISTY Lemaster

5 months ago

Posted on Google

Adam and his team were excellent to work with. They made the whole process easy and answered any questions promptly. Great experience overall!

Adam and his team were excellent to work with. They made the whole process easy and answered any questions promptly. Great experience overall!

5 months ago

Posted on Google

Quick and easy to refi our current mortgage. We've always gone to Adam and his team for our home loan needs. Always a pleasure to work with.

Quick and easy to refi our current mortgage. We've always gone to Adam and his team for our home loan needs. Always a pleasure to work with.

5 months ago

Posted on Google

Adam and his team were excellent to work with during the entire loan process. They informed me during each piece of the process, and made sure to communicate all the details of what was happening at each point so that I was looped into what was occurring, ...

Adam and his team were excellent to work with during the entire loan process. They informed me during each piece of the process, and made sure to communicate all the details of what was happening at each point so that I was looped into what was occurring, and being a first time home buyer I appreciated the detailed information and steps I was receiving. I felt informed and cared for during the entire process, and Adam and his team were extremely professional and courteous throughout everything.

Zachary Rasnake

6 months ago

Posted on Google

exelente thank you .....

exelente thank you .....

6 months ago

Posted on Google

Had terrible credit before and needed help to buy a home they helped a lot

Had terrible credit before and needed help to buy a home they helped a lot

Candice Campbell

6 months ago

Posted on Google

I had a great experience! They make sure everything goes smooth and make it easy to follow through. I definitely recommend them!

I had a great experience! They make sure everything goes smooth and make it easy to follow through. I definitely recommend them!

6 months ago

Posted on Google

Adam and his team at Western Ohio are true pros at what they do. Every time I have worked with them the process has been seamless and to the point. They are quick to respond and to get the job done. I highly recommend them!

Adam and his team at Western Ohio are true pros at what they do. Every time I have worked with them the process has been seamless and to the point. They are quick to respond and to get the job done. I highly recommend them!

6 months ago

Posted on Google

Jim Luana is fantastic to work with! Highly recommend!

Jim Luana is fantastic to work with! Highly recommend!

Laura Stonebraker

7 months ago

Posted on Google

As a first time home buyer I had a lot of questions and not one went unanswered. The process as a whole was made simple and easy With fast and Direct communication while accommodating my busy schedule.

As a first time home buyer I had a lot of questions and not one went unanswered. The process as a whole was made simple and easy With fast and Direct communication while accommodating my busy schedule.

7 months ago

Posted on Google

Adam and his staff were very responsive and proactive about getting my loan closed! Highly recommend for all your mortgage needs!

Adam and his staff were very responsive and proactive about getting my loan closed! Highly recommend for all your mortgage needs!

7 months ago

Posted on Google

Great place! Friendly and very helpful. Thank you for all the help! Will be sending everyone i know your way!

Great place! Friendly and very helpful. Thank you for all the help! Will be sending everyone i know your way!

8 months ago

Posted on Google

My mom and I had a great experience with Western Ohio Mortgage Corp. We had a smooth and stress-free experience the entire mortgage process. The team worked seamlessly together, which really helped create a better, more efficient experience overall. Commu ...

My mom and I had a great experience with Western Ohio Mortgage Corp. We had a smooth and stress-free experience the entire mortgage process. The team worked seamlessly together, which really helped create a better, more efficient experience overall. Communication was clear and timely every step of the way, and everyone we interacted with was friendly, helpful, and genuinely cared about making the process easy for us. We truly felt supported throughout. Thank you for making such an important milestone feel effortless!

Nancy Anyankwah

8 months ago

Posted on Google

Adam was a pleasure to work with! He was very responsive throughout the entire process and helpful with any questions I had. Adam has a great personality which makes his so easy to talk too! The team was easy to work with as well and also very quick to re ...

Adam was a pleasure to work with! He was very responsive throughout the entire process and helpful with any questions I had. Adam has a great personality which makes his so easy to talk too! The team was easy to work with as well and also very quick to respond. I will definitely come back in the future and will recommend WOMC to anyone interested in purchasing a home! 10/10 across the board!

8 months ago

Posted on Google

Very great group of people would recommend to anyone!!!

Very great group of people would recommend to anyone!!!

8 months ago

Posted on Google

James (Jim Luana) did a fantastic job helping us buy our first home! He answered all of our little questions and had so much patience with us. I would recommend this company to anyone who is looking to buy a home!

James (Jim Luana) did a fantastic job helping us buy our first home! He answered all of our little questions and had so much patience with us. I would recommend this company to anyone who is looking to buy a home!

8 months ago

Posted on Google

He is great and will let you understand everything. Answer calls whenever you need him 👍🏾

He is great and will let you understand everything. Answer calls whenever you need him 👍🏾

9 months ago

Posted on Google

Absolutely terrific experience for a very inexperienced homebuyer!!!

Absolutely terrific experience for a very inexperienced homebuyer!!!

9 months ago

Posted on Google

Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process. We would definitely recommend him!

Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process. We would definitely recommend him!

9 months ago

Posted on Google

shoutout to Jim Luana for doing an outstanding job. He made the entire process smooth, straightforward, and stress-free. I really appreciated their professionalism, clear communication, and willingness to go the extra mile. Highly recommend!

shoutout to Jim Luana for doing an outstanding job. He made the entire process smooth, straightforward, and stress-free. I really appreciated their professionalism, clear communication, and willingness to go the extra mile. Highly recommend!

9 months ago

Posted on Google

Had a great experience both times I have worked with Western Ohio. Extremely helpful and great communication. Highly recommend.

Had a great experience both times I have worked with Western Ohio. Extremely helpful and great communication. Highly recommend.

9 months ago

Posted on Google

Adam has a pretty good memory in his dealings with people. It's an appreciated thing and more personable. Definitely makes this company better than others that are more "corporate" minded

Adam has a pretty good memory in his dealings with people. It's an appreciated thing and more personable. Definitely makes this company better than others that are more "corporate" minded

Kody Williamson

9 months ago

Posted on Google

The staff were friendly and answered all of my questions quickly and with helpful information.

The staff were friendly and answered all of my questions quickly and with helpful information.

9 months ago

Posted on Google

Exceeded expectations by answering questions quickly and helping to efficiently get closing finalized sooner than expected. Highly recommend them for all your lending needs!

Exceeded expectations by answering questions quickly and helping to efficiently get closing finalized sooner than expected. Highly recommend them for all your lending needs!

10 months ago

Posted on Google

Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process.

Jim was always happy to answer questions, very friendly, and explained things clearly so we could understand every step of the process.

10 months ago

Posted on Google

We really appreciate the opportunity to work with this amazing team

We really appreciate the opportunity to work with this amazing team

Bobcat Multi Works

1 year ago

Posted on Google

Smooth process. Adam, Kylie and Kayla are great! Willing to help in anyway. Thanks!!! Will recommend to anyone looking at buying or refinancing a home.

Smooth process. Adam, Kylie and Kayla are great! Willing to help in anyway. Thanks!!! Will recommend to anyone looking at buying or refinancing a home.

Amanda Thompson

1 year ago

Posted on Google

Adam and his team were so helpful through the process of purchasing my first home. They made the process super simple and stress free, highly recommend.

Adam and his team were so helpful through the process of purchasing my first home. They made the process super simple and stress free, highly recommend.

1 year ago

Posted on Google

Michael plante was the best he helped me with everything I needed im a first time home owner and my experience with Michael was absolutely wonderful he is very knowledgeable and patient and I learned alot working with Michael he took me through everythin ...

Michael plante was the best he helped me with everything I needed im a first time home owner and my experience with Michael was absolutely wonderful he is very knowledgeable and patient and I learned alot working with Michael he took me through everything step by step guided me through any questions i had he answered them.He really looks out for your best interest. I recommend western ohio mortgage corp and Michael !!! They are the best.

1 year ago

Posted on Google

The process of starting the build on our forever home has been easy thanks to Adam and the team he has. Highly recommend Ohio western mortgage!

The process of starting the build on our forever home has been easy thanks to Adam and the team he has. Highly recommend Ohio western mortgage!

Justine Blankenship

1 year ago

Posted on Google

Michael Plante is very acknowledgeable he always kept me informed, I would recommend WOMC to my friends and family

Michael Plante is very acknowledgeable he always kept me informed, I would recommend WOMC to my friends and family

Joycelyn Apraku

1 year ago

Posted on Google

Jim did a terrific job in securing our mortgage and was able to navigate easily and effectively through some challenges we faced with some minor inspection details that new buyers sometimes face. We had clear and precise communication at all times and he ...

Jim did a terrific job in securing our mortgage and was able to navigate easily and effectively through some challenges we faced with some minor inspection details that new buyers sometimes face. We had clear and precise communication at all times and he was always available to talk when we needed something. It was an absolute pleasure to work with Jim and we’re so glad we chose him!

1 year ago

Posted on Google

James was amazing to work with. James has an open book policy so nothing is hidden no surprises. We were informed the entire time and very open communication. He was always quick to respond and due to his quick response times and how time efficient he is ...

James was amazing to work with. James has an open book policy so nothing is hidden no surprises. We were informed the entire time and very open communication. He was always quick to respond and due to his quick response times and how time efficient he is we even close early. We won't be moving anytime soon but I will always suggest him for anyone looking for houses. James did a great job and made a very difficult process seem easy and a breeze to do. Thank you James you were awesome we love our house.

kimberly winget

1 year ago

Posted on Google

I owe it all to this team. They were amazing to work with. I don't know how to fill this out any better. They've done something so incredible for us.

I owe it all to this team. They were amazing to work with. I don't know how to fill this out any better. They've done something so incredible for us.

Krat Scorpionman

1 year ago

Posted on Google

Adam was very helpful in assisting us with all the different ways to make our end loan work and make our dream home become a reality! From buying our land, bridge loans, the construction loan, and the end loan, there was so much that went into the plannin ...

Adam was very helpful in assisting us with all the different ways to make our end loan work and make our dream home become a reality! From buying our land, bridge loans, the construction loan, and the end loan, there was so much that went into the planning and getting everything to financially work out. Adam was awesome in figuring all of that out for us! I don't think we would have had as much success as we did if we went through another company/person to do this loan for us.

1 year ago

Posted on Google

Everyone was very friendly and helpful. Whenever I had a question or concern, I received a response very quickly. His team helped make a very stressful situation less stressful. I can't express how thankful I am for that.

Everyone was very friendly and helpful. Whenever I had a question or concern, I received a response very quickly. His team helped make a very stressful situation less stressful. I can't express how thankful I am for that.

1 year ago

Posted on Google