OHIO MARKET
What Credit Score Do You Need to Buy a Home in Ohio?
Understanding credit requirements for different loan types and how to improve your score before applying.
Karinzo SmithMar 15, 2026
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Education | Kimble Smith Mortgage
The Mortgage Learning Center
Expert tips, guides and market updates from Karinzo Smith
FIRST TIME BUYERS
The Complete Guide to Buying Your First Home in Ohio & Tennessee
Everything first-time homebuyers need to know about the mortgage process, from pre-qualification to closing. Learn about loan options, down payment assistance, and tips for a smooth home buying experience.
Karinzo Smith | NMLS #2652699
Mar 20, 2026
12 min read
FHA & DPA
FHA 203(k) Loans — The Complete Memphis Renovation Guide
Everything you need to know about buying and renovating a home in Memphis with an FHA 203(k) loan.
Karinzo SmithMar 10, 2026
Read More TENNESSEE MARKET
Down Payment Assistance Programs in Tennessee: What You Need to Know
A comprehensive guide to THDA and local DPA programs available for Tennessee homebuyers.
Karinzo SmithMar 5, 2026
Read More REFINANCING
HELOC vs Cash-Out Refinance — Which is Right for You?
Compare these two popular options for accessing your home equity and decide which fits your needs.
Karinzo SmithFeb 28, 2026
Read More FIRST TIME BUYERS
VA Loan Benefits for Ohio and Tennessee Veterans
Discover the advantages of VA loans and how to qualify as a veteran or active duty service member.
Karinzo SmithFeb 20, 2026
Read More FIRST TIME BUYERS
The Mortgage Process — Step by Step Guide for First Time Buyers
From pre-qualification to closing day, here is what to expect when buying your first home.
Karinzo SmithFeb 15, 2026
Read More New to Mortgage Terms?
Browse our complete mortgage glossary
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