There's No Place Like Home

Making Dreams Come True in Ohio and Indiana

At KTL Performance Mortgage, we help homebuyers and homeowners across Ohio and Indiana navigate the loan process with confidence.

Whether you’re buying your first home, moving up, refinancing, or even starting out in real estate investing, our team is here to guide you every step of the way.

As an independent mortgage broker, we work with multiple lenders to find the right loan for your situation.

That means more options, better flexibility, and a process built around your goals, not a one-size-fits-all approach.

Buying Your First Home? We’re Here to Help

Buying your first home can feel overwhelming…but it doesn’t have to be!

Many of our first-time buyers are surprised to learn they may qualify sooner than they thought! With the right guidance, low down payment programs, and credit guidance from our knowledgeable team, homeownership is within reach.

Your KTL team is here to help you understand your options, answer ALL your questions, and walk with you through the home buying process, every step of the way.

    Questions About Buying a Home?

    A Different Kind of Mortgage Experience

    At KTL Performance Mortgage, everything we do is built on three simple values:

    Knowledge

    We take the time to explain your options so you can make confident decisions.

    Trust

    Clear communication and honest guidance every step of the way.

    Love

    We truly care about the people we serve and the impact homeownership has on their lives.

    Home Loan Options Designed Around You

    Every borrower is different. That’s why we offer a variety of loan programs to help you find the right fit.

    Our Simple, Step-by-Step Process

    We believe the mortgage process should feel clear, not confusing. Here’s what you can expect when you work with the KTL Performance Mortgage team:

    • 1. It Starts with a Conversation

      Let’s chat! The first step is to talk to a member of our Loan Origination team. We will learn about your goals, answer your questions, and talk through the mortgage process.

    • 2. Get Pre-Approved

      As part of our easy pre-approval process, we’ll review your credit and finances. We will help you understand the options that are available to you and make sure you understand your buying power.

    • 3. Find Your Dream Home

      This is the fun part – house shopping! Once you’re pre-approved, you’ll go into the house hunting process with confidence, knowing exactly what you can afford.

    • 4. Mortgage Underwriting Process

      Once you’ve found your dream home and are under contract, the Mortgage Underwriting process begins. During underwriting, you’ll work directly with your KTL Loan Processor on gathering and submitting documents so that your loan can be fully approved by the lender.

    • 5. Closing Time!

      At Closing, you and the seller of the property will sign all the necessary documents for the legal transfer of the property and the finalization of your mortgage loan.

    • 6. Welcome Home

      Congratulations, you’re a homeowner and it’s time to move into your home sweet home!

    Discussing Mortgage Refinance Options

    Wondering If Refinancing Makes Sense?

    Whether you’re looking to lower your payment, access your home equity with a HELOC or cash-out refinance, or improve your loan terms, refinancing could be a smart move.

    We’ll help you understand your options and determine what makes sense for your situation.

    A Team You Can Count On

    Our clients trust us to guide them through one of the biggest financial decisions of their lives.

    We take that responsibility seriously and work hard to make the process smooth, clear, and stress-free.

    ★★★★★

    Everyone was incredible to work with. As a first-time homebuyer, the experience was scary at first, but everyone at KTL made the process so much easier. [KTL] answered all my questions and helped me so much. I would definitely recommend them.

    — Ava L.
    Google Review
    ★★★★★

    For first-time homebuyers, the KTL team offered a smooth process. They explained every document and answered questions with patience. They are professional, knowledgeable, and dedicated to helping clients achieve homeownership. KTL is a great choice.

    — Brett S.
    Google Review
    ★★★★★

    KTL Performance Mortgage was great to work with. [They] took the time to explain everything on our home loan and were very patient. If you’re looking for a mortgage company that will go the extra mile for you, I highly recommend KTL!

    — Vince S.
    Google Review

    Our Mission Statement

    We strive to be the best Mortgage Lender possible, utilizing our knowledge to find the right Home Mortgage solution for each person’s life situation. We serve as a guide and trusted partner throughout the process of achieving their dream.

    We accomplish this by loving what we do, who we do it for, and who we do it with.

    Serving Homebuyers Across Ohio, Indiana, Kentucky, and Florida

    We proudly serve communities throughout Ohio, Indiana, Kentucky, and Florida, including:

    States KTL Performance Mortgage Lends In
    0 YEARS OF MAKING DREAMS COME TRUE
    0 STATES SERVED
    0 LOCATIONS
    0+ MORTGAGES CLOSED
    0% RELIABILITY
    have questions?
    we have answers

    HOME LOAN FAQS

    WHAT AREAS DO YOU SERVE?

    Our home loan experts are currently licensed to serve clients in Ohio, Indiana, Kentucky, and Florida. If you are interested in purchasing or refinancing in one of these states, we can help!

    I HAVE LIMITED TIME DURING THE DAY. HOW LONG DOES THE APPLICATION PROCESS TAKE?

    We know that you aren’t always available between 8 am and 5 pm. To meet your needs, we offer extended office hours, including evenings and weekends. Call, text, or email us and we will work with you on your schedule.

    Applications can take as little as 5 minutes over the phone. To apply online, text HOME to 33655 or  click the Apply Now button above.

    (Messages may be recurring: Msg&data rates may apply. Text Stop to cancel. Go to preapp1003.com for privacy and terms.)

    HOW LONG DOES DOES THE CLOSING PROCESS USUALLY TAKE?

    It depends on your individual situation, but most loans can be completed in an average of 30 days.

    HOW MUCH SHOULD MY DOWN PAYMENT BE?

    Everyone’s financial situation is different. The required down payment varies depending on income, the value of the home you’d like to purchase, and the loan program. We offer a variety of loan options with varying down payment requirements. 100% financing is even an option for some buyers!

    DO YOU SERVE VETERANS WITH VA MORTGAGE LOAN OPTIONS?

    Yes. We offer VA loans to qualified Veterans. To be better prepared, please have a copy of your DD214 available. If you do not have your DD214, we can work with the VA to obtain it on your behalf.

    I am interested in reducing the monthly payment on my current mortgage. Do you offer refinancing options?

    Yes!  Performance Mortgage offers numerous options for refinancing. Depending on your current financial situation and standard market interest rates, we may be able to help. Contact us for more details.

    I AM INTERESTED IN PURCHASING A SECOND HOME IN FLORIDA. CAN YOU HELP?

    Yes we can! We are licensed in Ohio, Indiana, Kentucky and Florida. If you’re interested in financing a second home in the warm Florida sun, our team can help. Reach out via the form to the right and let us know your plans.

    Do I need perfect credit to get approved?

    No you don’t. We have a unique process that gives us the option to access numerous loan types for varying types of credit. In addition, our friendly staff provides personalized credit counseling to help you achieve your goal of owning a home. Don’t let your past mistakes stop you from becoming a homeowner – we can help!

    need more info?

      Start your Homeownership Journey Today

      Whether you’re ready to buy, refinance, or just have questions, we’re here to help.

      Call Us Now