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START  YOUR HOME BUYING JOURNEY WITH EXPERT STRATEGY

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.

AREAS OF EXPERTISE

As a Mortgage Lender, I work carefully and diligently in order to provide my clients with the financing solutions they deserve. To me, there’s nothing more important than client satisfaction, which is why my promise is to find the best mortgage for each client based on their financial situation and property preferences. Read more about how I can make mortgages fast and easy for you.

REFINANCING

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Easy and Convenient

Save money by receiving the best financing terms available. My Refinancing services cater towards getting my clients the best interest options on their loans. Contact me today to see what I can do for you.

PURCHASE
PRE-APPROVAL

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Shop With Confidence

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 me for your customized Mortgage Pre-Approval so that you can shop with confidence.

NEW HOME
CONSTRUCTION

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Build The Dream Home You Want

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.

BRIDGE LOAN

COMMERCIAL LENDING

PORTFOLIO LENDING

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Buy or Build Now - Sell Later

Whether you’re buying a new home, land or building a new home, there’s lots of stress and complications that can be involved 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.

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A Simple Solution For Your Business

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.

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Creative Lending Options

There are times when creativity is the only path to financing. One of the best, if not the best, advantage you have when working with me is I have access to Portfolio Lending. Sometimes you have to create the financing option based on the need and sometimes there isn't a specific program for that, with Portfolio Lending we can craft the solution and avoid the problem.

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

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