Cincinnati mortgage team · Swift Home Loans company

Boutique team. National lending power.

UMortgage Cincinnati (UMCincy) is a local mortgage team and a Swift Home Loans company. You work directly with your loan officer here at home, backed by Swift's lending channels across 49 states.

Start Your Home Loan (opens secure application in a new tab) How We Work With Swift

Starting the application is free and doesn't commit you to anything. Prefer to talk first? Call or text (513) 204-9587.

12 yrsBreon's years in Greater Cincinnati mortgage lending

49 statesLending reach through Swift Home Loans

3 channelsBroker, correspondent and Full Eagle FHA

1 loan officerOn your file from first call to closing

Follow along

Closings, market updates and real numbers on Instagram

Payment breakdowns, rate and guideline updates, and Bearcats game days from Breon.

Follow @umcincy.breonprice

You work withUMCincyShort for UMortgage CincinnatiBreon and Taylor in Hyde Park. Strategy, pricing, every call and text.

Licensed lenderSwift Home Loans, Inc.NMLS #2075228. Founded by a team of former retail loan officers, based in Birmingham, Michigan.

Lending channels

Broker
Correspondent
Full Eagle FHA

Available across 49 states

Our Swift Home Loans partnership

Local where it counts. Big where it matters.

Most borrowers have to choose between a small local lender who knows them and a big lender with more loan options. UMortgage Cincinnati is built so you don't have to. Your loan is handled here in Cincinnati. It's funded through Swift Home Loans, a lender founded by a team of former retail loan officers.

More ways to say yes. Swift's broker, correspondent and Full Eagle FHA channels mean we can match your file to the loan that fits it, not the one program we happen to sell.
FHA decisions in-house. Full Eagle FHA approval lets FHA loans be underwritten and approved without waiting on an outside lender's review.
The same person on your file. Swift supplies the platform. Breon makes the calls on your loan from first conversation to closing.

See How the Partnership Works

Bearcat Mortgage

UC's mortgage lender, $1,500 toward your closing

UMortgage Cincinnati is the Preferred and Exclusive Mortgage Lender for University of Cincinnati Football and Baseball, through the 2029–30 season. Bearcat Mortgage is how we give back to that community: a flat $1,500 closing cost credit for UC alumni, faculty, staff, UC Health employees and Bearcats supporters.

A credit, not a gimmick. Applied on your Closing Disclosure. Not a rate discount and not cash back.
Same team, same process. Bearcat Mortgage loans are UMortgage Cincinnati loans, with the same lending options through Swift.

Explore Bearcat Mortgage Visit BearcatMortgage.com

Eligibility confirmed at application. All loans subject to credit approval.

Homeownership education

Know your numbers before you tour a single house

The UMortgage Cincinnati Homebuyer Playbook walks through the six steps every purchase follows. Read it on your own, join a workshop, or book a 20-minute readiness review with Breon.

Set your real budget
The payment you're comfortable with, which is often less than the most a lender will approve.
Check your readiness
Credit, debt and savings. What helps your rate, and what to leave alone before you apply.
Plan your cash
Down payment, closing costs and reserves, plus how gift funds and seller credits work.
Compare loan types
Conventional, FHA, VA and more, side by side on payment and cash to close.
Get pre-approved
A verified letter, not a guess, so your offer competes when the right house hits.
Offer to closing
Appraisal, inspection, conditions and the closing table. Who does what, and when.

Explore Homeownership Education Try the Payment Calculator

Education is free and optional. Completing a session does not guarantee loan approval or specific terms.

Mortgage options

The right loan depends on you, not on what we feel like selling

We start with your income, savings, property and plans, then show you two or three structures side by side.

First home

First-Time Buyer Loans

Low down payment options, help sorting gift funds and a pre-approval your agent can lean on.

Usually a fit for: Renters ready to buy in the next year.

Most common

Conventional

Fixed or adjustable rates. Mortgage insurance drops off as you build equity.

Usually a fit for: Steady income and solid credit.

Flexible credit

FHA

Federally insured with more room on credit history and debt ratios.

Usually a fit for: Buyers rebuilding credit or short on savings.

Served

VA

Built for veterans, service members and eligible spouses. No monthly mortgage insurance.

Usually a fit for: Anyone with VA eligibility. Check yours first.

Move up

Jumbo and Move-Up

Larger loan amounts and bridge options so you can buy before you sell.

Usually a fit for: Growing families trading up in Cincinnati or NKY.

Build wealth

Investment and Second Homes

DSCR loans qualify on the property's rent. Second-home financing for the lake or the Gulf.

Usually a fit for: Investors and buyers adding a second property.

Find the Right Mortgage for You

Why UMortgage Cincinnati

A boutique team with a big-lender toolbox

You'll text the person working your loan, not a call center. And because we lend through Swift Home Loans, we can structure the files a single-product lender can't.

Meet the Team

Local judgment. We live and work here. We know how Hamilton, Butler, Warren, Clermont and Northern Kentucky taxes and appraisals tend to land.
One loan officer, start to finish. Breon is on your file from the first call to the closing table. Taylor keeps the paperwork moving in between.
Creative structuring. Rate buydowns, bridge loans, self-employed income, DSCR investor loans and one-time-close construction.
Clear numbers, early. A written payment and cash-to-close estimate before you make an offer, updated when anything changes.

Your team