Indian Hill Dreams Shouldn't End at a Credit Score
You've worked your way up at P&G, Kroger, or Fifth Third. You've earned a home in Indian Hill or Hyde Park. A temporary credit setback doesn't erase years of success. Let's get you where you belong.
Cincinnati Market Moving Fast
Indian Hill and Hyde Park inventory is limited. Get pre-approved now to compete when the right property comes available.
Joe Shalaby
Founder & Senior Loan Officer
NMLS #139369
"Cincinnati's east side is full of executives who've hit a rough patch. Corporate restructuring, medical bills, a business that didn't pan out—I've seen it all. Manual underwriting lets me look past the score and see the person. That's how we get deals done."
The Cincinnati East Side Reality
Corporate Headquarters Culture
P&G, Kroger, Fifth Third, Macy's—Cincinnati is Fortune 500 central. Executive lifestyles come with executive expenses. When bonuses fluctuate, credit cards often fill the gap.
Estate-Level Properties
Indian Hill estates, Hyde Park historic homes, Montgomery mansions—these aren't starter homes. We understand high-value transactions and complex financial profiles.
Medical & Legal Professionals
UC Medical Center, Christ Hospital, major law firms—Cincinnati has high-earning professionals with complex income. Student loans, practice buy-ins, we get it.
FHA Manual Underwriting
- Credit scores down to 500 FICO
- Hamilton County limit: $524,225
- DTI up to 50% with compensating factors
- Gift funds allowed for down payment
VA Manual Underwriting
- No minimum credit score
- $0 down, no PMI
- No loan limit for eligible veterans
- Wright-Patterson AFB veterans
Recent Cincinnati Closings
P&G brand manager. Divorce settlement drained savings, credit tanked. Denied by US Bank and PNC. Closed FHA in 25 days.
Air Force veteran from Wright-Patterson. Medical bills from service. $0 down, no PMI, closed in 23 days.
Consolidated $48k credit cards. Monthly payments dropped $1,450. Score recovered to 698 in 4 months.
Questions from Cincinnati Buyers
Can I get an FHA loan in Indian Hill with a 520 credit score?
Yes. We manually underwrite FHA loans down to 500 FICO in Indian Hill, Hyde Park, Montgomery, and all Cincinnati affluent areas. Manual underwriting evaluates your complete financial picture, not just the score.
What's the FHA loan limit in Hamilton County Ohio?
For 2025, the FHA limit in Hamilton County is $524,225 for a single-family home. For higher amounts in Indian Hill or Montgomery, we offer NON-QM options including asset depletion and bank statement loans.