As a top-notch mortgage loan officer, Stephen Harless is dedicated to providing expert homebuying and refinancing strategies that will help you achieve your goals. With years of experience in the industry, Stephen is committed to helping you make informed decisions about your mortgage needs.
STEPHEN HARLESS
Mortgage Loan Officer NMLS ID 198171
First Federal Community Bank NMLS ID ORG 419803
18 E William St Suite 3, Delaware, OH 43015 (Inside COhatch)
Cell: 440-364-0323 Email: sharless@ffcb.com
Areas of Expertise
Pre-Approval
Whether this is your first, second, or last time buying a home your knowledge when negotiating a home purchase can determine if your offer will be accepted. Whether a primary residence, vacation home, or investment property — contact us for your custom Pre-Approval so that you can shop with confidence.
Investment / Rental Home
Whether you are looking for financing on a short-term rental, long-term rental, or even fix-n-flip financing for your next property flip, First Federal Community Bank has you covered! Options include our newest suite of options, DSCR! Not sure if you qualify to own a rental property based on your income? With DSCR financing we qualify you on the rental income the property generates, not your personal income. Buying a rental property may be closer than you think!
Home Equity / HELOC
Looking for the best way to tap into your home's equity? We have options to help suit your needs. Options range from variable interest rate lines of credit to fixed rate second mortgages. Call us today to discuss the ins/outs of each option.
Down Payment Assistance
Having enough savings to purchase a home is a frequent concern for homebuyers. With down payment assistance options, we can help you purchase your new home with little to nothing out of pocket. Ask us how we can help you with your financial goals.
New Construction
Whether you own your own land or you are buying new land, I have a loan option for you that will get you on the fast track to building your dream home. I have years of experience in construction lending, working with builders and all different types of builds. So, if your dream is a secluded Log Home, a gorgeous Farmhouse, or a new build in a convenient subdivision, I can help make this dream come true.
Vacation Home
Ready to set your destination for vacation? Let us help you finance your vacation home today! With First Federal Community bank lending in all fifty states, we can surely help you finance your getaway destination!
Bridge Loan
Whether you’re buying or building a new home, financing can be tricky when you currently own a home. Our Bridge Loan is the solution to removing stress and complications. This loan is specifically designed to help you move into your next loan before you sell your home.
Commercial
A need for commercial lending can come in many forms. Business line of credits for operating and opportunity. Purchasing your own store front to operate out of. Investment opportunities to strengthen your portfolio. The need for commercial financing can be endless, if this is an area you need to explore, let's talk today.
Portfolio Lending
There are times when creativity is the only path to financing. One of the best advantages you have when working with First Federal is having access to Portfolio Lending. Are you having a hard time finding a loan that fits your profile and needs? With Portfolio Lending we can craft the solution and make the underwriting decision in-house.
Check out these testimonials...
Sarah G.
Delaware, OH
"I dont have enough words to express how much gratitude and appreciation I have for Stephen Harless and First Federal. I began my journey years ago and my credit was not too great. Stephen gave me a detailed plan on what to do to get me in the "good" range and my God did it work. He was always made himself available to answer any questions along the way and he fought hard to get our loan approved. The little hiccups were nothing for him to coach us through. I will always be a fan favorite of him and the bank he represents.."
Michelle M.
Columbus, OH
"Stephen demonstrated exceptional dedication and support throughout my three year home search. Despite the lengthy process, he remained patient, offered invaluable advice, and consistently followed up with me. His unwavering commitment and spot on guidance truly made a difference."
Chrystal D.,
Prospect, OH
"This is our second time working with Stephen. We loved working with him the first time and knew who to go to for our second home mortgage loan needs. However, with the changed market in housing, we had a long 3 year journey. Stephen was awesome and very responsive to our questions and needs throughout the entire 3 years. He provided us with awesome service and couldn't have closed our most recent loan without his expertise! Thank you Stephen for all of your time and support! We highly recommend his services!"