Ohio Mortgage Solutions with Personal Guidance
Buying or refinancing a home doesn’t have to feel overwhelming. I’m Shirley Hapner, a mortgage professional with Primary Residential Mortgage, Inc., and I’ve been helping homebuyers and homeowners navigate the mortgage process since 1998.
Based in Beavercreek and licensed throughout the state of Ohio, I help borrowers understand their financing options and choose a mortgage that fits their needs, goals and circumstances.
Whether you’re buying your first home, moving, refinancing, renovating or exploring FHA, VA, USDA or conventional financing, I’m here to make the process clear from application through closing.
Here at Primary Residential Mortgage, we are proud to serve the residents of Ohio and love seeing our customers’ dreams of home ownership come to fruition! We offer a wide variety of loan programs and can tailor your mortgage based on your unique needs and circumstances. We are in the top 10% of FHA lenders in the entire country and are also a Scotsman Guide Top Mortgage Lenders for 2023.
We take great care to cultivate a culture that is filled with happiness and teamwork. Our organization’s slogan, “Where the Primary focus is you,” applies to our customers as well as our Branch Partners because when you succeed, we succeed. Our team members are pleasant, hard working, and willing to go beyond their job duties to help you or your clients throughout your transaction.
Welcome to Primary Residential Mortgage, Inc., your lending partner for life. We are passionate about helping our clients find the financing they need to realize their homeownership dreams.
We are an official Homes for Heroes lender! Homes for Heroes® is Dedicated to Serving and Giving Back to Firefighters, Law Enforcement, Military (Active, Reserves and Veterans), Healthcare Workers, EMS and Teachers When You Buy or Refinance a Home.
Ohio Mortgage FAQs
Where is Shirley Hapner licensed to offer mortgage loans?
Shirley Hapner (NMLS #126093) is licensed to originate mortgage loans throughout the entire state of Ohio. Her office is at 1430 Oak Ct., Suite 306 in Beavercreek, and she helps homebuyers and homeowners in Dayton, the Miami Valley, Columbus, Cincinnati, Cleveland and every Ohio community in between.
What types of home loans does Shirley offer?
Shirley helps Ohio borrowers with conventional, FHA, VA and USDA loans for buying a home, plus refinance and renovation financing. The right program depends on your credit, income, assets and goals, and she will walk you through the options that fit your situation.
What is the difference between FHA, VA, USDA and conventional loans?
FHA loans are insured by the Federal Housing Administration and are popular with first-time buyers because of their flexible qualification guidelines. VA loans are available to eligible veterans, active-duty service members and some surviving spouses. USDA loans help eligible buyers purchase homes in qualifying rural and suburban areas. Conventional loans are not government-backed and are a common choice for borrowers with established credit.
Can first-time homebuyers in Ohio work with Shirley?
Yes. Shirley has guided first-time buyers through the mortgage process since 1998. She explains each step, from pre-approval and paperwork through appraisal and closing, so you always know what to expect.
How do I get pre-approved for a mortgage in Ohio?
Call Shirley at 937-427-9641, book a mortgage consultation online, or click Apply Now. You will be asked for basic information about your income, assets and employment. Approval is subject to credit review and underwriting.
What is the Homes for Heroes program?
Homes for Heroes® rewards firefighters, law enforcement, military (active, reserves and veterans), healthcare workers, EMS and teachers when they buy or refinance a home. Primary Residential Mortgage is an official Homes for Heroes lender, so eligible heroes can ask Shirley how the program works with their loan.
