What areas does Division One Lending serve?

We are licensed in OH and work with clients throughout those states.

How do I get started?

You can request a quote online, start a secure application, or call us and speak with a licensed loan officer about your goals.

What loan programs do you offer?

Conventional, FHA, VA, USDA, jumbo, construction, DSCR, Non-QM, foreign national, reverse mortgage and refinance options.

What documents will I need?

Requirements vary by program, but most files begin with income, asset and identification documentation. See our Requested Documents page for a full checklist.

NMLS #2547884 · OH

A mortgage built around your plan.

Division One Lending is an independent mortgage lender in Liberty Twp, Ohio. We match borrowers with the right program, explain every number, and keep the process moving from application to closing.

Get a quote Apply now

Prefer to talk? 513-227-1304

Modern suburban home at sunset financed with a Division One Lending mortgage

Company NMLS #2547884

Licensed and regulated

Ohio

State we serve

Independent lender

Programs from many investors

Direct communication

Talk to your loan officer

Start here

What are you looking to do?

Buy a home

Purchase financing for first-time and move-up buyers.

Continue

Refinance

Lower your rate, change your term or access equity.

Continue

Use my VA benefit

Purchase and streamline options for those who served.

Continue

Invest in property

DSCR and Non-QM financing built around the asset.

Continue

Loan programs

One lender, a full shelf of financing options

View all programs

Purchase

Conventional Loans

Flexible, widely used financing for buyers with established credit and steady income.

Explore Conventional →

Purchase

FHA Loans

Government-insured loans designed to make qualifying easier for first-time and credit-challenged buyers.

Explore FHA →

Purchase

VA Loans

Benefits earned through military service, including no-down-payment purchase options and streamline refinancing.

Explore VA →

Purchase

USDA Loans

Rural development financing for eligible properties and household income levels.

Explore USDA →

Purchase

Jumbo Loans

Financing above conforming loan limits for higher-priced properties.

Explore Jumbo →

Specialized

Construction Loans

Build-from-the-ground-up and renovation financing structured around your project.

Explore Construction →

Specialized

DSCR Loans

Investment property financing qualified on property cash flow rather than personal income.

Explore DSCR →

Specialized

Non-QM Loans

Alternative documentation options for self-employed borrowers and non-traditional income.

Explore Non-QM →

Specialized

Foreign National Loans

Financing paths for non-US citizens purchasing property in the United States.

Explore Foreign National →

Specialized

Reverse Mortgage Loans

Home equity access for qualifying homeowners age 62 and older.

Explore Reverse Mortgage →

Refinance

Refinance Loans

Lower your rate, shorten your term, consolidate debt or access equity in your home.

Explore Refinance →

A Division One Lending loan officer reviewing mortgage options with clients

Why Division One Lending

Straight answers, start to close

A mortgage is one of the largest financial decisions most people make. Our job is to make it understandable: what you qualify for, what it costs, and what happens next.

Program fit first
We compare options across programs instead of pushing one product.
Plain-language guidance
Every number is explained before you sign anything.
Responsive service
You work with a licensed loan officer, not a call queue.
Local knowledge
Serving Liberty Twp, OH and clients across OH.

The process

Five steps from hello to keys

Talk it through

We learn your goals, timeline and budget before anything else.

Get pre-approved

Submit a secure application and documentation for review.

Shop with confidence

Make offers backed by a real pre-approval from a licensed lender.

Process & underwrite

We coordinate appraisal, title and underwriting conditions.

Close

Sign, fund and get the keys.

See the full loan process

Run the numbers

Mortgage payment calculator

All calculators

Home price

Interest rate (%)

Down payment10% · $35,000

Loan term30 years

Property taxes / year

Homeowners insurance / year

Estimated monthly payment

$2,408

Principal & interest: $1,991
Property taxes: $300
Insurance: $117
Loan amount: $315,000
Total interest (30 yrs): $401,765

Get a personalized quote

Estimates are for information only and do not include mortgage insurance, HOA dues or closing costs. They are not a loan offer, rate quote or approval. Contact us for a personalized quote.

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