Tc Strait
Get to know me
Ohio mortgage loan officer focused on clarity and speed. I guide homebuyers, homeowners, and real estate partners with transparent steps, honest options, and exact numbers from pre approval to closing. You get same day replies, clear rate and cost comparisons, and fewer surprises. Mission is simple. Help you decide with confidence and close on time. Mortgages done right.
My experience
Licensed in:
Loan Products:
Years of experience:
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
I meet in person, by phone, text, email, or Zoom, at my office or a public place, with evening or weekend times available. I use your preferred channel and reply quickly.
We start with a discovery call and a document checklist, then issue a verified preapproval. I update you and your agent through pricing, underwriting, and conditions to an on-time closing.
Costs depend on lender, program, and rate. I itemize lender fees, third-party services, title charges, and prepaids, then show credits or points so you know cash to close and total cost.
I can estimate numbers without a pull, or one hard pull and shop within the credit window to limit score impact.
I maintain vetted contacts for real estate agents, title companies, insurance agents and inspectors. I share options, disclose any ties, and you choose who best fits your budget and timing.