Derek Harris, Loan Officer, NMLS: 466010

10/30/2026

5.0 star review received on Experience.com for Derek Harris by Natalie D - No matter how many times I asked a question you would answer it in detail and yoyu were so patient with my family and I . You made this as as easy as possible and kept in touch and responded so quickly.

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10/30/2026

Important update for Ohio homebuyers: The Ohio Housing Finance Agency (OHFA) has announced that it will discontinue its Mortgage Tax Credit (MTC) program once the current funding allocation is exhausted.

The program has provided a valuable benefit to Ohio homebuyers, but due to high demand on the program and limited funding, OHFA has made the decision to direct available resources toward other programs that support first-time homebuyers.

Here's what you need to know:

The program is still available. The MTC program will remain open until its current funding allocation is exhausted.

The anticipated timeline is early 2027. OHFA expects the program to close no later than the first quarter of 2027.

Existing tax credits are not affected. Borrowers who have already been awarded a tax credit can continue claiming it when filing their federal taxes. The change does not affect existing certificates or awards made before the program is discontinued.

A waitlist may be implemented. As the program winds down, OHFA may introduce a waitlist.

10/29/2026

5.0 star review received on Experience.com for Derek Harris by Jim D - Derek gave my clients a better interest rate and much cheaper closing costs than a previous lender they were working with. Communication from Derek and his crew was fantastic.

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10/21/2026

5.0 star review received on Experience.com for Derek Harris by Alexis E C - Derek's efficiency and quickness to step in and take cover the lending process. I was having a very negative experience with a different lender when I approached Derek over the weekend. He immediately sprung into action and assisted me. Always very professional and remained hands on throughout the entire process. I will definitely be recommending him to everyone.

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10/19/2026

It may not be the best fit for every buyer, but a 2-1 temporary buydown program could really help to provide some payment relief for the first 2 years after buying a home. With this loan program, the first years’ payment is based on a rate that’s 2% lower than your interest rate and the second years’ payment is based on a rate 1% lower. Reach out for more info and to see if this is a program worth considering.

10/01/2026

Fall can sometimes bring a different homebuying environment than the busy spring and summer months.

Depending on your local market, buyers may find less competition and more opportunities to negotiate. If you're wondering whether now could be a good time to make a move, talk with your Realtor and reach out to me to discuss the financing side.

09/19/2026

5.0 star review received on Experience.com for Derek Harris by Latisha M T - Derek was absolutely amazing! Every single question I had was answered in a way he made sure I understood it. Would recommend him to anyone who is looking to buy a home.

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09/16/2026

Stop trying to time the market in terms of buying your home. If it's the house you want and you're comfortable with the payment, go for it! After your home purchase, interest rates will either continue to go up (and you'll be glad to have purchased when you did) or interest rates may decrease (to the point that it could make sense to refinance to a lower rate). Either way, you don't have to wait to be in the home you want. There's no cost to get pre-approved and see what purchasing your home could look like for you.

08/31/2026

5.0 star review received on Experience.com for Derek Harris by Branden M T - Communication was great. My buyers were also very pleased. I will add Derek to my "rolodex."

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08/31/2026

Even though I don’t have to, personally attending closings is always a goal of mine. There are almost always questions to be answered and the closing table is often my first chance to meet my customers and their agent in person. Congratulations, Ben & Jenna, on your new home!