Ohio Mortgage Loans

Andrew Baker is a licensed mortgage loan originator serving Ohio through West Capital Lending, Inc. As a broker rather than a bank, your loan is shopped across a wholesale lender network — so Ohio borrowers are matched to the program and pricing that fit, not to one institution’s product shelf.

Is Baker Lending licensed to lend in Ohio?

Yes. Andrew Baker, NMLS 2688601, originates in Ohio through West Capital Lending, Inc., NMLS 1566096. Ohio is one of 33 licensed states — 28 where the full range of loan types is available and 5 limited to investment property loans. Ohio borrowers have access to the full program set.

What loan programs are available in Ohio?

Conventional, FHA, VA, jumbo, HELOC and home equity, HEI/HEA, reverse mortgages, DSCR investor loans, and bank statement loans are all available in Ohio. As a broker with 175+ wholesale lender relationships, Baker Lending can place a file in Ohio with whichever lender's guidelines fit the borrower.

At what loan amount does a mortgage in Ohio become jumbo?

The 2026 baseline conforming limit is $832,750 for a one-unit property in most Ohio counties. Designated high-cost counties run higher, up to a ceiling of $1,249,125. Amounts above your county's limit are financed as jumbo loans. FHA limits in Ohio start at a floor of $541,287 and vary by county.

Where in Ohio does Baker Lending lend?

Baker Lending serves borrowers statewide in Ohio, with dedicated pages for Cincinnati, Cleveland, Columbus, Toledo. Because the process runs by phone, e-sign, and secure upload, location inside the state is not a limitation — any Ohio property address can be financed under the same licensing.