Homebuying, clearly explained.
I'm Ben Harris — a Central Ohio loan officer who believes a mortgage should be the most understood part of buying a home, not the most stressful. Together we'll define your buying power, walk through every number, and build a plan you feel genuinely confident about.
- Education-first
- guidance
- Personalized
- loan strategies
- Local
- Central Ohio support
See what homeownership could look like.
Adjust the numbers to explore an estimated monthly payment. This is a planning tool — not a loan quote or approval.
Estimated cash down: $15,000
Enter a rate for planning purposes. This is not a current rate quote.
Estimated monthly payment
$2,401.39
per month, all in
- Principal & interest
- $1,801.39
- Property taxes
- $375.00
- Homeowners insurance
- $125.00
- Mortgage insurance
- $100.00
- HOA dues
- $0.00
- Estimated loan amount
- $285,000
- Estimated cash down
- $15,000
This calculator is provided for educational and illustrative purposes only. Results are estimates and do not constitute a loan estimate, approval, commitment to lend or current interest-rate quote. Actual payments, rates, APR, taxes, insurance, mortgage insurance, closing costs and eligibility may vary. Contact Ben Harris, NMLS #2541330, for personalized information.
Helping Central Ohio families navigate homeownership with confidence.
Buying a home is one of the biggest financial decisions you'll ever make. My goal is to simplify the mortgage process, provide honest guidance, and help you build a personalized mortgage strategy that fits your goals.
Whether you're buying your first home, moving into your next one, refinancing, or investing, I'm committed to making sure you understand your options and feel confident every step of the way.
- Loan Officer · Union Home Mortgage
- NMLS #2541330
- Proudly Serving Central Ohio
Four steps. Zero confusion.
- STEP 01
A real conversation
We start with a no-pressure call to understand your goals, timeline, and questions. No credit pull, no commitment.
- STEP 02
Clarify your buying power
I'll walk you through what you can comfortably afford — and what payment actually feels right month to month.
- STEP 03
Strategy & pre-approval
A tailored loan strategy and a strong pre-approval letter your agent and sellers will take seriously.
- STEP 04
Smooth to the keys
Weekly updates, proactive problem-solving, and an on-time close — followed by a lifetime of support.
Columbus · Dublin · Westerville · New Albany · Powell · Hilliard
Proudly serving buyers across all of Central Ohio.
What can you really afford?
Buying power isn't a single number from an online calculator. It's a conversation about your income, your goals, your comfort level, and the programs you actually qualify for. In one focused session we'll map all of it.
- A true monthly payment — taxes, insurance, and PMI included
- Side-by-side loan program comparisons (Conv, FHA, VA, USDA, Jumbo)
- Down payment strategies, including assistance programs in Ohio
- A pre-approval that strengthens your offers
Mortgage strategies built around how you actually earn and invest.
Traditional employment is not the only path to homeownership or real estate investing. As a Central Ohio mortgage loan officer, Ben helps Columbus-area homebuyers, entrepreneurs, and investors understand both traditional and alternative financing options — and build a clear plan around their goals.
Home Buyers
Explore conventional, FHA, VA, grant and down payment assistance options with a clear breakdown of payment, cash needed, and long-term cost.
Who this may help
First-time buyers, move-up buyers, and anyone who wants to understand their true buying power before they shop.
Common questions
- Which first-time homebuyer programs in Central Ohio might I qualify for?
- How much cash will I actually need at closing?
- Should I consider FHA, conventional, or another loan program?
Entrepreneurs
Explore financing options for qualified self-employed and 1099 borrowers, including bank statement and profit-and-loss programs.
Who this may help
Business owners, freelancers, and 1099 earners whose tax returns may not reflect full borrowing power.
Common questions
- What self-employed mortgage options in Ohio are available to me?
- Can I use bank statements or profit-and-loss reports to qualify?
- How do I document income that doesn't show up on a W-2?
Real Estate Investors
Evaluate DSCR and other investment-property financing strategies based on the property, expected rent, cash flow, and investment plan.
Who this may help
Investors looking to finance rental properties or scale a portfolio without traditional income documentation.
Common questions
- How do DSCR loans in Ohio work for rental properties?
- Can the property's rental income help me qualify?
- What financing fits a fix-and-hold or long-term rental strategy?
Choose the conversation that fits you.
Every path begins with a simple, no-pressure conversation to understand your goals and outline your options.
Your first conversation is free, friendly, and pressure-free.
Whether you're 30 days or three years from buying, the best time to start planning is now. Grab a time on my calendar — I'll bring the answers.
Business hours
- Monday – Thursday
- 8:30 AM – 7:00 PM
- Friday
- 8:30 AM – 5:30 PM
- Saturday
- 9:00 AM – 2:00 PM
- Sunday
- Closed
Evening and Saturday consultations are available for busy homebuyers, entrepreneurs, and real estate investors.
Ben Harris · NMLS #2541330 · Union Home Mortgage