BancOhio Financial specializes in residential purchase and refinance lending. We provide both traditional and non-traditional lending solutions to suit your financing needs.
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WHAT WE DO
- Working with BancOhio is value-added due to our experience and flexible products/programs
- Multiple programs and investors
- Ability to close loans via the lender or broker channel to best suit the needs of our clients
- Locally owned and operated since 2003
- Lending in Ohio and Florida
- Full service, hands-on personal approach to lending
- An array of products and programs is all inclusive so many options
- Relationship, referral, client-based approach
- Lending options for all borrower types from excellent to less than perfect credit scores
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Jumbo Fixed and ARM
- only 10% down with 680+ score
- loan amounts up to $2,000,000
- cash out up to $500,000
- purchase and refinance
- primary and second home with 661+ score
- investment with 680+ score
- Ohio and Florida
MEET THE TEAM
Sr. Loan Officer
BancOhio's team is comprised of a relatively small but highly experienced and capable group. We are all mortgage industry veterans with extensive knowledge and expertise regarding mortgage programs/products, the underwriting process, and how to best advise our clients to reach their residential financing goals. We focus exclusively on mortgage lending and pride ourselves in providing excellent service and execution.
More about Mark....
More about Ross....
Mark Atanasoff - President
Mark's college educational background is in the business administration and the biological sciences.
Mark was an environmental consultant before entering the mortgage industry 20 years ago.
He has helped many clients over the years to refinance and purchase residential and commercial real estate.
Mark is the sole owner and president of BancOhio which opened in 2003 in Powell as a full service mortgage company.
Ross Rizzo - Sr. Loan Officer
Ross has been in the mortgage industry for 19 years.
During that time he owned a broker shop, been an account executive with a large wholesale lender as well as leading a team of 10 loan officers as a Sales Manager.
Ross was formerly a loan officer at a large national bank and currently enjoys his work at BancOhio.
Jim Thompson - Loan Officer
Jim is a lifelong Buckeye, with over 40 years in the mortgage business.
Helping people get a home loan has always been a very satisfying experience.
Jim is well versed in home loan lending, for customers who are buying their first home to multi million dollar transactions.
He has the experience and desire at BancOhio to guide you every step of the way.
More about Jason....
More about Dennis....
Jason A. Smith
In the past Jason has been a loan officer, Sr. loan officer, manager and owned of his own mortgage company. He has trained and managed 30+ loan officers and expanded operations for numerous companies during his time in the lending business. He is well versed in VA, FHA, Conventional and Commercial Lending.
Jason was in the United States Army as a Combat Engineer, he lives in Powell with his wife and son. His hobbies are fishing, golfing and home remodeling.
Jason joined BancOhio Financial in 2018 and brings with him 21 years in the mortgage business and is looking forward to helping clients as he has always for the past 21 years.
Dennis Wieland - Processing Manager
twenty years in the mortgage industry with experience as a loan officer, branch manager and processor.
I've been with BancOhio Financial over 5 years in the role of processing manager with extensive experience in FHA, VA as well as conventional and unconventional lending.
My experience with a variety of lenders help me choose the right lender for each loan to get the optimum lending experience for each loan.
Ann Miller - Mortgage Specialist
Ann has nearly 20 years in the mortgage financing industry.
Her experience encompasses Office Administration, Processing, Closing, Underwriting and Compliance in areas of Retail, Loss Mitigation and most recently, the Broker sector.
BancOhio Financial (BancOhio) is a full service mortgage company that has been headquartered in Powell, Ohio since 2003. BancOhio is fully licensed and bonded and carries an A+ rating with the Better Business Bureau of Columbus.
At BancOhio, our goal is to offer service with professionalism and integrity resulting in superior client satisfaction unmatched in the industry today.
BancOhio is comprised of professionals committed to helping our clients choose the best lending option through professional service, backed by a wealth of knowledge, experience, and pride in the mortgage lending field.
BancOhio's “team work” environment focuses on developing a long term relationship with our clients to ensure we provide ongoing assistance well beyond the initial lending experience.
BancOhio specializes in all credit profiles. We have access to several expanded products and unique programs with a suite of national investors. We utilize our resources and technology to search for programs that will best accommodate your financing goals.
OH MB.804012.000 NMLS 181032 FL MBR.1120
FREQENTLY ASKED QUESTIONS
Q: Do I always need mortgage insurance if the loan to value exceeds 80%?
A: No. There are several options available to avoid mortgage insurance even if the loan to value is 100%.
Q: How long does it take to close a loan once I apply?
A: While the time frame may be shorter or longer, it usually takes less than 30 days once a complete application is made.
Q: Is it better to choose an adjustable rate mortgage (ARM) or a fixed rate mortgage?
A: It depends on the specific goals of the borrower. An ARM is usually a better option of the borrower plans on holding the mortgage for a period of 3 to 5 years or less. A fixed rate mortgage is usually a better option beyond 3 to 5 years.
Q: Is it wise to pay points to "buy down" or lower the interest rate?
A: It depends on your individual situation but generally buying down the interest rate is not beneficial if you intend to keep your loan 5 years or less.
Q: How soon can I take out a home equity line of credit (HELOC) on the home I just bought?
A: Immediately, depending on available equity.
Q: Should I be concerned about who will end up servicing my loan because BancOhio is a mortgage banker/broker?
A: No, the servicing company will be fully disclosed and often times will end up being the same company used by retail lenders such as banks and savings and loans.
"Hi Ross, I just wanted to again a year later say thank you for helping make our dreams come true. We love our house so much and always tell everyone we know to seek out you and our realtor, Chad. I just wanted you to know we haven't forgotten about you and are trying to send business your way. Once again, thank you from the bottom of our hearts for helping us purchase our home 1 year ago."
HERB AND CASSIE R.
"I was referred to Ross Rizzo at BancOhio by my realtor. Despite having lost my previous home to foreclosure a few years ago, Ross pulled off what I was beginning to believe was impossible... helping me obtain a home loan AND at a very good rate. Ross was exceptionally compassionate and helped to alleviate my fears through the process. He was very approachable and easy to contact when I had questions. I highly recommend Ross to anyone looking for a home loan or for refinancing."
"I have worked with Ross and BancOhio Financial twice now and both experiences have been great. The process was easy and straight forward and required very little work on my part short of signing documents. Ross had everything set up and ready to go very quickly. I think the whole process to refinance only took about three weeks. I certainly recommend Ross and BancOhio for anyone wanting to buy or refinance their home."
"Ross was fantastic in helping my clients in financing their home. He was there every step of the way and answered all their questions in a timely manner. When an issue arose, Ross let us know what it was about and how to get everything back on track. I would highly recommend Ross to be your lender for your new home or refinance of your current home."
BRIAN AND KELLI S.
We want to thank you for making the arrangement for our refinance.Thanks for your hard work and we are looking forward to working with our new lender.
We will definitely refer anybody we know to you who is looking for a mortgage."
"Ross, I wanted to thank you for your hard work, perseverance and diligence with my home refinancing. I had many questions and several challenges along the way. Thank you for staying the course! Your answers to my questions were timely and the communication lines were always open. I will recommend you to my many friends and colleagues. Thank you again for your patience with me with my unique situation."
CATHERINE AND LEN
Ross I just wanted to thank you for all your help and business. You have been very helpful and kind. We will definitely be using you in the future when we buy and or refinance. I will also be referring you. My brother is looking to buy a new house and I told him about you. You have been so nice to help us in answering our questions and walking us thru this process. Hope to see you in a year to buy our home."
KELLY AND KEVIN S.
"I want to thank Ross for helping us with our refinance. His attention and service was great. We will definitely recommend Ross and BancOhio to those around us."
"I worked with Mark and BancOhio to purchase and refinance my home over the past few years and I have been very satisfied each time. I continue to refer potential clients to Mark because of the positive experiences I have had with BancOhio."
"This was my first experience with BancOhio but I had spoken to Ross before when he worked at a different company. The loan that was done for me has a great rate and saves me hundreds of dollars a month. The loan process was easier than I expected and we were closing in a matter of a few weeks. I would recommend Ross and BancOhio to anyone that needs a mortgage."
Though the home buying process can be trying and frustrating, one thing that wasn’t was our loan experience. A family member highly recommended Ross Rizzo at BancOhio Financial and we’re very grateful that we heeded such good advice. From application to closing, the loan process was smooth. Communication was great and the guidance Ross provided really helped us through some potentially confusing parts of the journey. We’re sure anyone would be as pleased as we were to have Ross help with their financing needs.
SAM AND SCOTT P.
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285 South Liberty Street Powell Ohio 43065 Phone: 614.781.7900 Fax: 614.781.7901
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Monday - Friday 9:00 AM - 5.00 PM
Weekends: By Appointment Only