Karen Starkey is the absolute best. During the two year journey I took to prepare for and achieve homeownership, I’ve dealt some real characters. From day one, Karen was amazingly approachable at even late evening hours. When I was ready to go/apply, I think she called me back at around 9 PM. This was very unusual and really caught my attention in a good way! That is an unusually high level of dedication to one’s profession. Everything was completely spot-on and moved as quickly as possible. She never ignored me. She never dismissed anything I asked about. She never tried to cover anything up. She never made light of any of my concerns. She never tried to push anything on me. She never lied to me, then denied it later. Just a really good soul of the earth human being. She’s probably one of those people you meet once in a she never lied to me then denied it later. Just a really good soul of the Earth, Human Being. She’s probably one of those people you meet once in a lifetime. (I’m getting pretty emotional writing this). A few times I even told her on the phone that I absolutely love her because of the great gratitude she engendered. She’s one of the good guys with a good heart who roots for the underdog. I seriously believe she cares more about human beings than the dollar bill. Every step of the way was very smooth and informative, from the automatically generated logical steps that get emailed, to the miniature video tutorials, I would get along the way that filled me in on the process, to the human interaction. With a couple of other banks I dealt with, the process was very automated and not a human experience. If you deal with Karen, you’ll have a truly heartwarming human experience. She cares about you. I put 100% trust in her (after previously feeling let down by big-talking out-of-state sheisters). I can’t say that for anyone else. Some people go to a job to earn a buck and profiteer. But I truly believe that Karin adores what she does and is dedicated to her first time homebuyer clientele. She’s just a kind and considerate and good and honest person and, unlike other bankers, truly advocates for her clients and help avoid unnecessary complications or missteps. She never fumbled or fed me a line of bull or made a grave error that would cost me the mortgage (remember, there are some bad players out there in the world). my advice to any first time homebuyer would be to stay local, no matter how good of a story or helping the promises and out of state firm might make. Local people are more accountable, local people care more. Karen patiently waited by my side like a good friend during the process. And in the end, she even showed up to the signing to wish me luck, which blew my mind. I never expected to meet her in person. I feel like she put me first the whole way, even though she must’ve had dozens of other clients. (Secretly she must have a clone who helps treat the other clients the same way because I don’t know how she can be in all those places at once and do what she does so well 🤣). And today, about a week after moving into my new home, it feels so good to have a roof over my head and no one can tell me what I can or can’t do and I feel so safe and secure. It’s a nice little neighborhood and we have big dreams about what we would love to do to beautify our new home. I got lucky on this one and if you’re reading this, I hope you go to Karen too. She won’t disappoint you. And, Karen, if you read this know that I still adore you. Thank you for making my dreams come true. And, by the way, we were not high dollar clients, and she still treated us like a million bucks. 🥰

Chris, Lucita, and Nicole were amazing to work with! They are genuinely kind and helpful people and made what could have been a very stressful experience (purchasing our first investment property) into a fun, educational, and stress-free process. We even closed more than a week ahead of schedule. I would highly recommend them and will definitely use them again in the future!

As a realtor, I’ve had the pleasure of working with Chris Wharton, Nicole, and Lucita at First Ohio Home Finance Inc. on multiple occasions. Chris consistently goes above and beyond, providing exceptional service with a focus on client needs. His professionalism, expertise, and timely communication make every transaction smooth and stress-free. The entire team, including Nicole and Lucita, is a joy to work with, and I highly recommend them for any home financing needs! Thanks Team

Tammy W. was helpful and kind. She took time to answer all of my questions and even checked in with me while she was on vacation! I’m so happy I had her to guide me and help me secure my loan and grants through this process as a first time home buyer! She was encouraging and well informed! I definitely recommend working with her to others!

Beth Mosely was amazing. Every inch of the way. No question was too small. No anxiety driven hiccup was turnt away. She handled this with grace. Diplomacy and a sense of absolute we are getting this done. I personally would recommend her esp as my husband and myself were first time home buyers. From online tutorials to every advantage she could give us. Beth Mosely and her team are superb. By the way? Our realtors were Bobby and Samantha Holmes. The three of them made a powerhouse team that I personally believe were simply meant to be.

First Ohio Home Finance was amazing to work with. This was our 4th mortgage with them but it was a bit different. We were buying directly from a seller in another state and she wanted to close in less than a month. First Ohio made miracles happen! We closed in just 3 weeks and they communicated with us every step of the way. We would highly recommend First Ohio to anyone.

Shasta Shiner from First Ohio was absolutely INCREDIBLE to work with. As first time home buyers, we were very intimidated by the entire process of buying a home, but Shasta took such good care of us. Upon submitting my application, I wasn’t sure where it would go from there, but Shasta got the ball rolling quickly and assured us that a home purchase was attainable despite the crazy market right now. She assisted us in loan options, possible payments, and interest rates from start to finish. We recognize that we were not her only clients at the time, but we always felt like her number one priority. She was a huge supporter for our purchase, and our morale when we lost out on offers. We are so thankful for her professional opinions, help, and gaining a new friend along the way. She is kind, caring, and makes a very intimidating process seem easier than doing the dishes. I recommend her very highly to anyone interested in a future home purchase.

Troy Farrell at First Ohio Home Finance made buying our first home truly amazing. Throughout the entirety, there was open communication to us for whatever we might have asked. Everything was smooth sailing and we quickly closed on time. I would highly recommend First Ohio Home Finance for any housing needs! But honestly, Troy really made the difference for us. He was so professional and so caring about anything we discussed. I wish there could be a higher rating!

Karen Starkey is the absolute best. During the two year journey I took to prepare for and achieve homeownership, I’ve dealt some real characters. From day one, Karen was amazingly approachable at even late evening hours. When I was ready to go/apply, I think she called me back at around 9 PM. This was very unusual and really caught my attention in a good way! That is an unusually high level of dedication to one’s profession. Everything was completely spot-on and moved as quickly as possible. She never ignored me. She never dismissed anything I asked about. She never tried to cover anything up. She never made light of any of my concerns. She never tried to push anything on me. She never lied to me, then denied it later. Just a really good soul of the earth human being. She’s probably one of those people you meet once in a she never lied to me then denied it later. Just a really good soul of the Earth, Human Being. She’s probably one of those people you meet once in a lifetime. (I’m getting pretty emotional writing this). A few times I even told her on the phone that I absolutely love her because of the great gratitude she engendered. She’s one of the good guys with a good heart who roots for the underdog. I seriously believe she cares more about human beings than the dollar bill. Every step of the way was very smooth and informative, from the automatically generated logical steps that get emailed, to the miniature video tutorials, I would get along the way that filled me in on the process, to the human interaction. With a couple of other banks I dealt with, the process was very automated and not a human experience. If you deal with Karen, you’ll have a truly heartwarming human experience. She cares about you. I put 100% trust in her (after previously feeling let down by big-talking out-of-state sheisters). I can’t say that for anyone else. Some people go to a job to earn a buck and profiteer. But I truly believe that Karin adores what she does and is dedicated to her first time homebuyer clientele. She’s just a kind and considerate and good and honest person and, unlike other bankers, truly advocates for her clients and help avoid unnecessary complications or missteps. She never fumbled or fed me a line of bull or made a grave error that would cost me the mortgage (remember, there are some bad players out there in the world). my advice to any first time homebuyer would be to stay local, no matter how good of a story or helping the promises and out of state firm might make. Local people are more accountable, local people care more. Karen patiently waited by my side like a good friend during the process. And in the end, she even showed up to the signing to wish me luck, which blew my mind. I never expected to meet her in person. I feel like she put me first the whole way, even though she must’ve had dozens of other clients. (Secretly she must have a clone who helps treat the other clients the same way because I don’t know how she can be in all those places at once and do what she does so well 🤣). And today, about a week after moving into my new home, it feels so good to have a roof over my head and no one can tell me what I can or can’t do and I feel so safe and secure. It’s a nice little neighborhood and we have big dreams about what we would love to do to beautify our new home. I got lucky on this one and if you’re reading this, I hope you go to Karen too. She won’t disappoint you. And, Karen, if you read this know that I still adore you. Thank you for making my dreams come true. And, by the way, we were not high dollar clients, and she still treated us like a million bucks. 🥰

Chris, Lucita, and Nicole were amazing to work with! They are genuinely kind and helpful people and made what could have been a very stressful experience (purchasing our first investment property) into a fun, educational, and stress-free process. We even closed more than a week ahead of schedule. I would highly recommend them and will definitely use them again in the future!

As a realtor, I’ve had the pleasure of working with Chris Wharton, Nicole, and Lucita at First Ohio Home Finance Inc. on multiple occasions. Chris consistently goes above and beyond, providing exceptional service with a focus on client needs. His professionalism, expertise, and timely communication make every transaction smooth and stress-free. The entire team, including Nicole and Lucita, is a joy to work with, and I highly recommend them for any home financing needs! Thanks Team

Tammy W. was helpful and kind. She took time to answer all of my questions and even checked in with me while she was on vacation! I’m so happy I had her to guide me and help me secure my loan and grants through this process as a first time home buyer! She was encouraging and well informed! I definitely recommend working with her to others!

Beth Mosely was amazing. Every inch of the way. No question was too small. No anxiety driven hiccup was turnt away. She handled this with grace. Diplomacy and a sense of absolute we are getting this done. I personally would recommend her esp as my husband and myself were first time home buyers. From online tutorials to every advantage she could give us. Beth Mosely and her team are superb. By the way? Our realtors were Bobby and Samantha Holmes. The three of them made a powerhouse team that I personally believe were simply meant to be.

First Ohio Home Finance was amazing to work with. This was our 4th mortgage with them but it was a bit different. We were buying directly from a seller in another state and she wanted to close in less than a month. First Ohio made miracles happen! We closed in just 3 weeks and they communicated with us every step of the way. We would highly recommend First Ohio to anyone.

Shasta Shiner from First Ohio was absolutely INCREDIBLE to work with. As first time home buyers, we were very intimidated by the entire process of buying a home, but Shasta took such good care of us. Upon submitting my application, I wasn’t sure where it would go from there, but Shasta got the ball rolling quickly and assured us that a home purchase was attainable despite the crazy market right now. She assisted us in loan options, possible payments, and interest rates from start to finish. We recognize that we were not her only clients at the time, but we always felt like her number one priority. She was a huge supporter for our purchase, and our morale when we lost out on offers. We are so thankful for her professional opinions, help, and gaining a new friend along the way. She is kind, caring, and makes a very intimidating process seem easier than doing the dishes. I recommend her very highly to anyone interested in a future home purchase.

Troy Farrell at First Ohio Home Finance made buying our first home truly amazing. Throughout the entirety, there was open communication to us for whatever we might have asked. Everything was smooth sailing and we quickly closed on time. I would highly recommend First Ohio Home Finance for any housing needs! But honestly, Troy really made the difference for us. He was so professional and so caring about anything we discussed. I wish there could be a higher rating!