Your Trusted Cincinnati Mortgage Expert
With over 20 years of mortgage experience, John Insco helps homebuyers, homeowners, and real estate investors throughout Greater Cincinnati secure the right financing with confidence.
Two decades of mortgage experience, in your corner.
For more than 20 years, John has helped families, first-time homebuyers, move-up buyers, veterans, self-employed borrowers, and real estate investors navigate the mortgage process with clarity and confidence.
What sets John apart isn't a slogan, it's a method. Every client gets a real pre-approval, a written game plan, side-by-side loan comparisons that show true cost (not just headline rates), and a direct line to John from application to closing day.
Based in Greater Cincinnati and serving clients across Ohio and Northern Kentucky, John brings deep local market knowledge and the responsiveness you'd expect from a trusted advisor, not a faceless call center.
The right loan for your situation.
From first-time buyers to seasoned investors, John structures financing across every major loan type. Compare programs, then talk to a human who can help you choose.
Built for buyers purchasing their first home in Greater Cincinnati.
The most common loan type, flexible terms for buyers with solid credit.
Government-backed loans with flexible credit and low down payment.
Zero-down financing for veterans, active-duty service members, and surviving spouses.
Financing above conforming loan limits for higher-priced Cincinnati homes.
Lower your rate, shorten your term, or restructure your mortgage.
Financing for buy-and-hold rentals and small multi-family in Greater Cincinnati.
Investor financing that qualifies on the property's cash flow, not personal income.
Why Cincinnati chooses John.
- ✓20+ years in mortgage lending
Deep, current expertise in every major loan program.
- ✓Personalized financing strategies
Real comparisons of FHA, conventional, jumbo, and investor loans tailored to your goals.
- ✓Clear communication
Plain-English answers, no jargon, no surprises.
- ✓Fast response times
Calls and emails returned same-day, every day.
- ✓Local market knowledge
From Hyde Park to Hamilton to Florence, KY, John knows the nuances.
- ✓Guidance from application to closing
One advisor, not a handoff to five different people.
Trusted by homebuyers, homeowners, and investors across Greater Cincinnati.
"John walked us through every option, answered every late-night question, and got us into our first home with a payment we're comfortable with. The pre-approval letter actually won the offer."
"I've closed four properties with John using DSCR financing. He underwrites my deals as carefully as I do, and the closings have been smooth every single time."
"John refinanced our mortgage and consolidated some debt. He told us exactly when to lock and saved us a meaningful amount each month. Highly recommend."
Cincinnati and beyond.
John serves clients throughout Greater Cincinnati, Northern Kentucky, and nationwide where permitted.
Mortgage answers, plainly.
Quick answers to questions Cincinnati buyers ask most. See all 30 →
Talk with John about your next step
Whether you're 6 months or 6 days from buying, a 15-minute conversation gives you a clear plan and the right pre-approval strength.