Exciting Partnership: Bringing More Homeownership Opportunities to Ohio’s Heroes!

I’m thrilled to announce my partnership with Jeff Fries, mortgage lender at Guaranteed Rate Affinity, to specialize in The Ohio Housing Finance Agency’s (OHFA) Ohio Heroes loan program! This incredible program offers discounted mortgage interest rates to Ohio’s dedicated public servants—teachers, first responders, military members, and more. Together, Jeff and I are committed to helping those who serve our communities achieve homeownership with the best possible financing options. Let’s make your homeownership dreams a reality!

Who Can Qualify:

  • Veterans, active duty military members or members of reserve components (including surviving spouses)

  • Police officers, firefighters, volunteer firefighters, EMTs and paramedics

  • Physicians, nurse practitioners, nurses (RN and LPN) and STNAs

  • Teachers (pre-K through grade 12), administrators and counselors

Details:

  • You meet credit score requirements.
    * Conventional, USDA, and VA Loans: 640 or higher
    * FHA Loans: 650 or higher

     

  • You meet debt to income ratios for your loan type.

     

  • You meet income and purchase price limits.

    * Qualified buyers are required to complete a free homebuyer education class.
Michael-Cummiskey-1.jpg

Michael Cummiskey

Real Estate Professional
Coldwell Banker Realty
C - 859-835-2533
E - michael.cummiskey@cbrealty.com
KY - 270311
OH - 2022006290
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Jeff Fries

VP of Mortgage Lending
Guaranteed Rate Affinity
O - 513-975-4722
C - 513-462-8526
NMLS - 926910

Michael Cummiskey is a one of a kind realtor. His professionalism, authenticity, advocacy, efficiency, and knowledge of the greater Cincinnati and Kentucky area are some of the many qualities that makes him the realtor of choice. I had moved to Cincinnati a year ago and could not decided what I wanted for real estate. Whether it was an investment property or a permanent residence, Michael was able to find me a list of properties that checked my boxes. He eventually helped us find our dream home with the physician's mortgage loan. The whole proccess from purchasing to closing was also extremely smooth as Michael is there to answer any questions, guide, and advocate for you throughout it all. He is a realtor you can trust to find exactly what you want.

Jimmy Loi

Michael Cummiskey is a homebuyer’s dream real estate agent! He was incredibly timely, extremely professional, diligently detail-oriented, and amazingly knowledgeable. He was attentive to both our preferences and budget, in addition to helping us navigate the home buying process with a physician’s loan. His enthusiasm for real estate and his passion for helping his clients made our home buying journey a smoother, stress-free, and delightful experience. Michael was very transparent and responsive in helping us with every step of the way. He was always available to thoroughly answer our questions. In fact, he was able to help us avert potential difficulties that we would not have noticed on our own, as well as aid us in navigating any unexpected issues that arose. He is a true advocate for his clients and will always go above and beyond. I would 100% recommend Michael in a heartbeat to anyone looking for a realtor!

Cate Vavrinak

Mr. Cummiskey was the first to visit us and we knew immediately he was our broker. He was knowledgeable, attentive, honest, and considerate of our needs. Michael is the best there is. He's professional, courteous, and accommodating. There have been very few people I have met in my 57 years of life that have impressed me as much as Mr. Cummiskey has. I felt as if I were his only client. If I purchase or sell any property in the future, it will be without a doubt through Michael Cummiskey. Thank you, Michael. I am once again in your debt!

Stephanie Perry

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