• What Home In NorthEast Ohio
    Should Feel Like.

    We’re on a mission to change lives, one mortgage at a time.

    Get Pre-Qualified Apply Now
  • Meet the NEO
    Purchase Team

    Working the hardest to get you home.

    Learn More
  • Because Peace of Mind
    Is Priceless

    When you fund your loan with the NLC Loans NEO Purchase Team, you are automatically protected by our 5 Year Rate Protection Guarantee.

    Learn More
  • Above. Beyond.
    For You.

    Unparalleled service. It’s our promise.

    Let's Talk

Home Financing That's As Unique As You Are.

We know that home loans shouldn’t be one size fits all. That’s why the NEO Purchase Team finds lending solutions that fit the lives of you or your clients. The NEO Purchase Team doesn’t just provide our borrowers with a mortgage: we set them up with a secure future. That’s what home in Ohio should feel like.

Calculate Your Savings

Our free, easy to use calculators are at your service. Just plug in the numbers and we'll deliver instant results.


Get Pre-Qualified

Whether your looking to buy or refinance a home, the NEO Purchase team is here to make the process run smoothly.

Get Started

Apply for a Home Loan

Already know you want a personalized mortgage that will suit you as an individual? In just a few minutes, you'll be on your way.

Apply Now


One of our Personal Mortgage Advisors will contact you shortly.

Download the NLC Loans Homebuyer's Guide

Learn about the mortgage process. Just provide your email address to download a helpful home-buyers guide so you know what to anticipate on your road to the security of home ownership here in Northeast Ohio.

Download Homebuyer's Guide

Which lending option is right for you?

Financing your home shouldn’t be complicated. The NEO Purchase Team offers unparalleled support to find the lending solution that fits your lifestyle and financial goals.

Conventional Loan

A conventional loan refers to a loan that is not insured by the federal government but adheres to guidelines set by Fannie Mae and Freddie Mac.

Learn More

FHA Loan

Popular with first-time homebuyers, Federal Housing Administration loans were created to help stimulate the housing market by making loans more affordable and accessible to you.

Learn More

VA Loan

The Department of Veterans Affairs loan is designed to offer long-term financing to eligible veterans and active military. As a direct lender, NLC Loans can offer the best interest rates available.

Learn More


If you own a home worth less than the mortgage, NLC Loans can help you refinance your home through a Home Affordable Refinance Program loan.

Learn More

ARM Loan

With an Adjustable Rate Mortgages, the interest rate is generally fixed for a specific amount of time, then is reset periodically based on specific benchmarks.

Learn More


A USDA Rural Development Guaranteed Housing Loan Program is a mortgage loan offered by the US Department of Agriculture to owners of rural properties.

Learn More

Still not sure? Relax. We'll do the math.

Fixed rate or ARM? Rent or Buy? Let the NLC Loans calculators help you make the tough decisions. Just plug in the numbers and get instant results!

ARM vs Fixed Rate Mortgage

With a fixed rate mortgage, your monthly payment will stay the same the entire term of the loan. With an adjustable rate mortgage (ARM), your monthly payment can increase or decrease.


Mortgage Comparison: 15 vs 30 Year

With a 15 year mortgage, you will pay significantly less interest. With a 30 year mortgage, you will pay less on your monthly payment.


Mortgage Loan

Calculate your monthly or yearly amortization schedule for your current mortgage. Plus, how much interest you could pay and your estimated principal balances.


Rent vs Buy

Weed through the fees, tazes, and monthly payments to help decide whether you can buy a home or should continue to rent.


We’re here to help…

For more information or to speak to one of our personal mortgage advisors, contact us today!



One of our Personal Mortgage Advisors will contact you shortly.

The Four Pillars of the NEO Purchase Team.

NLC Loans’ partners are treated with courtesy and the utmost respect. We strive to not only meet, but exceed, our partners’ expectations. The NEO Purchase Team proves this in the way we communicate and do businesses on a daily basis. We promise honesty, timely attention, and five-star service that is simply unparalleled to each of our referral partners.

Open Communication

The NEO Purchase team knows that communication is key. This is why we take the extra time keep the lines of communication totally open with both our referral partners and our borrowers. We will provide you with weekly updates until closing, so you’ll never be left wondering about the status of the loan.

Realistic Expectations

We never make a promise that we can’t keep. Overpromising leads to lack of delivery, and we know there is nothing more valuable than your integrity and your time. Our word is gold, so we don’t waste your or our borrowers’ time. If we make you a promise, we’ll make good on it. Period.

Verified Pre-Approvals

NLC Loans offers only verified pre-approvals, so you never have to worry about being misled by bogus pre-approvals that aren’t worth the paper they’re written on. Our verified pre-approvals come at no cost.

Cross-Channel Marketing

The NEO Purchase Team is here to offer you assistance with cross channel marketing. We assist with advertising on TV, radio, web or print so that you can close more sales and be more successful in your career.

Think of us as your home loan concierge.

  • You guys have been completely 100% amazing. You made a first time home buyer feel great. I feel so lucky and so grateful. You guys made this happen and it was seamless. That’s what I was looking for.

    Brian Kuzlik, Cleveland, OH

  • A big thank you for helping us finance our very own house! A house to call home! A home to raise a family! I love you guys!

    Danielle Fornes, Rocky River, OH

  • I was thoroughly impressed with the time they took with us. They were patient with us and addressed any questions and concerns we had. That really stood out to us. We thank you.

    Melissa Leonhardt, Olmsted Township, OH

  • Frank and the whole team are great! Awesome service. Love them!

    Johanna Miller, Dircks, OH

Rates still at historical lows. Find out how low you can go!