Cincinnati and Northern Kentucky home loans

Home team advantage. From offer to keys.

Bearcat Mortgage is UMCincy's home loan program for the UC community, from UC Football and Baseball's Preferred and Exclusive Mortgage Lender. A local team, straight answers on the numbers, and a $1,500 closing cost credit for Bearcats.

Start Your Home Loan (opens secure application in a new tab) Learn About Our UC Partnership

Starting the application is free and doesn't commit you to anything. Prefer to talk first? Call or text (513) 204-9587.

12 yrsBreon's years in Greater Cincinnati mortgage lending

Football + BaseballUC's Preferred and Exclusive Mortgage Lender

2029–30Partnership runs through the season

1 loan officerOn your file from first call to closing

Preferred and Exclusive Mortgage Lender for University of Cincinnati Football and Baseball, through the 2029–30 season.

The UC Athletics partnership

More than a logo on the outfield wall

Breon Price earned his mortgage license during his senior year at UC. Twelve years later, his company holds the Preferred and Exclusive Mortgage Lender designation for UC Football and Baseball. The partnership gives the Bearcats community a direct line to a local lending team, and gives us a reason to show up for that community every week of the season.

A real benefit, stated plainly. A flat $1,500 credit toward closing costs for UC alumni, faculty, staff, UC Health employees and supporters.
Education first. Homebuyer sessions and one-on-one readiness reviews, so you know your numbers before you shop.
Same lender either way. No UC connection? You get the same team, the same process and the same straight answers.

Explore Our UC Athletics Partnership

Homeownership education

Know your numbers before you tour a single house

The Bearcat Homebuyer Playbook walks through the six steps every purchase follows. Read it on your own, join a workshop, or book a 20-minute readiness review with Breon.

Set your real budget
The payment you're comfortable with, which is often less than the most a lender will approve.
Check your readiness
Credit, debt and savings. What helps your rate, and what to leave alone before you apply.
Plan your cash
Down payment, closing costs and reserves, plus how gift funds and seller credits work.
Compare loan types
Conventional, FHA, VA and more, side by side on payment and cash to close.
Get pre-approved
A verified letter, not a guess, so your offer competes when the right house hits.
Offer to closing
Appraisal, inspection, conditions and the closing table. Who does what, and when.

Explore Homeownership Education Try the Payment Calculator

Education is free and optional. Completing a session does not guarantee loan approval or specific terms.

Mortgage options

The right loan depends on you, not on what we feel like selling

We start with your income, savings, property and plans, then show you two or three structures side by side.

First home

First-Time Buyer Loans

Low down payment options, help sorting gift funds and a pre-approval your agent can lean on.

Usually a fit for: Renters ready to buy in the next year.

Most common

Conventional

Fixed or adjustable rates. Mortgage insurance drops off as you build equity.

Usually a fit for: Steady income and solid credit.

Flexible credit

FHA

Federally insured with more room on credit history and debt ratios.

Usually a fit for: Buyers rebuilding credit or short on savings.

Served

VA

Built for veterans, service members and eligible spouses. No monthly mortgage insurance.

Usually a fit for: Anyone with VA eligibility. Check yours first.

Move up

Jumbo and Move-Up

Larger loan amounts and bridge options so you can buy before you sell.

Usually a fit for: Growing families trading up in Cincinnati or NKY.

Build wealth

Investment and Second Homes

DSCR loans qualify on the property's rent. Second-home financing for the lake or the Gulf.

Usually a fit for: Investors and buyers adding a second property.

Find the Right Mortgage for You

Why Bearcat Mortgage

A boutique team with a big-lender toolbox

You'll text the person working your loan, not a call center. And because we lend through Swift Home Loans, we can structure the files a single-product lender can't.

Meet the Team

Local judgment. We live and work here. We know how Hamilton, Butler, Warren, Clermont and Northern Kentucky taxes and appraisals tend to land.
One loan officer, start to finish. Breon is on your file from the first call to the closing table. Taylor keeps the paperwork moving in between.
Creative structuring. Rate buydowns, bridge loans, self-employed income, DSCR investor loans and one-time-close construction.
Clear numbers, early. A written payment and cash-to-close estimate before you make an offer, updated when anything changes.

Your team