BancOhio Mortgage specializes in residential purchase and refinance lending.  We provide both traditional and non-traditional lending solutions to suit your financing needs.


PHONE: 352.556.4906

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BancOhio Mortgage team is comprised of a relatively small but highly experienced and capable group.  We are all mortgage industry veterans with extensive knowledge and expertise regarding mortgage programs/products, the underwriting process, and how to best advise our clients to reach their residential financing goals.  We focus exclusively on mortgage lending and pride ourselves in providing excellent service and execution.







Loan Officer

Sr. Loan Officer

Processing Manager

Mortgage Specialist

Mark's college educational background is in the business administration and the biological sciences.   Mark was an environmental consultant before entering the mortgage industry 20 years ago.  He has helped many clients over the years to refinance and purchase residential and commercial real estate.  Mark is the sole owner and president of BancOhio which opened in 2003 in Powell as a full service mortgage company.

Christy has been in the mortgage financing industry for 25 years.  Her college education included majors in Real Estate and Finance.  Throughout the years, she has been a processor and an underwriter for a large mortgage company, an escrow officer for a title company and an owner of a mortgage processing company and is currently a loan officer.

Ross has been in the mortgage industry for 19 years.


During that time he owned a broker shop, been an account executive with a large wholesale lender as well as leading a team of 10 loan officers as a Sales Manager.


Ross was formerly a loan officer at a large national bank and currently enjoys his work at BancOhio.

Processing Manager-Almost twenty years in the mortgage industry with experience as a loan officer, branch manager and processor. Been with BancOhio Mortgage over 5 years in the role of processing manager with extensive experience in FHA, VA as well as conventional and unconventional lending. My experience with a variety of lenders help me choose the right lender for each loan to get the optimum lending experience for each loan.

Ann has nearly 20 years in the mortgage financing industry.  Experience encompassing Office Administration, Processing, Closing, Underwriting and Compliance in areas of Retail, Loss Mitigation and most recently, the Broker sector.


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About BancOhio Mortgage


BancOhio Mortgage is a full service mortgage company that has been headquartered in Powell, Ohio since 2003.  BancOhio Mortgage is fully licensed and bonded and carries an A+ rating with the Better Business Bureau of Columbus.


At BancOhio Mortgage, our goal is to offer service with professionalism and integrity resulting in superior client satisfaction unmatched in the industry today.


BancOhio Mortgage is comprised of professionals committed to helping our clients choose the best lending option through professional service, backed by a wealth of knowledge, experience, and pride in the mortgage lending field.


BancOhio Mortgage's “team work” environment focuses on developing a long term relationship with our clients to ensure we provide ongoing assistance well beyond the initial lending experience.


BancOhio Mortgage specializes in all credit profiles.  We have access to several expanded products and unique programs with a suite of national investors.  We utilize our resources and technology to search for programs that will best accommodate your financing goals.


OH MB.804012.000      NMLS 181032      FL MBR.1120


Q:  Do I always need mortgage insurance if the loan to value exceeds 80%?


A:  No.  There are several options available to avoid mortgage insurance even if the loan to value is 100%.


Q:  How long does it take to close a loan once I apply?


A:  While the time frame may be shorter or longer, it usually takes less than 30 days once a complete application is made.


Q:  Is it better to choose an adjustable rate mortgage (ARM) or a fixed rate mortgage?


A:  It depends on the specific goals of the borrower.  An ARM is usually a better option of the borrower plans on holding the mortgage for a period of 3 to 5 years or less.  A fixed rate mortgage is usually a better option beyond 3 to 5 years.


Q:  Is it wise to pay points to "buy down" or lower the interest rate?


A:  It depends on your individual situation but generally buying down the interest rate is not beneficial if you intend to keep your loan 5 years or less.


Q:  How soon can I take out a home equity line of credit (HELOC) on the home I just bought?


A:  Immediately, depending on available equity.


Q:  Should I be concerned about who will end up servicing my loan because BancOhio Mortgage is a mortgage banker/broker?


A:  No, the servicing company will be fully disclosed and often times will end up being the same company used by retail lenders such as banks and savings and loans.



"Hi Ross, I just wanted to again a year later say thank you for helping make our dreams come true. We love our house so much and always tell everyone we know to seek out you and our realtor, Chad. I just wanted you to know we haven't forgotten about you and are trying to send business your way. Once again, thank you from the bottom of our hearts for helping us purchase our home 1 year ago."


"I was referred to Ross Rizzo at BancOhio by my realtor. Despite having lost my previous home to foreclosure a few years ago, Ross pulled off what I was beginning to believe was impossible... helping me obtain a home loan AND at a very good rate. Ross was exceptionally compassionate and helped to alleviate my fears through the process. He was very approachable and easy to contact when I had questions. I highly recommend Ross to anyone looking for a home loan or for refinancing."


"I have worked with Ross and BancOhio Financial twice now and both experiences have been great. The process was easy and straight forward and required  very little work on my part short of signing documents. Ross had everything set up and ready to go very quickly. I think the whole process to refinance only took about three weeks. I certainly recommend Ross and BancOhio for anyone wanting to buy or refinance their home."

"Ross was fantastic in helping my clients in financing their home. He was there every step of the way and answered all their questions in a timely manner. When an issue arose, Ross let us know what it was about and how to get everything back on track. I would highly recommend Ross to be your lender for your new home or refinance of your current home."





We want to thank you for making the arrangement for our refinance.Thanks for your hard work and we are looking forward to working with our new lender.


We will definitely refer anybody we know to you who is looking for a mortgage."

"Ross, I wanted to thank you for your hard work, perseverance and diligence with my home refinancing.  I had many questions and several challenges along the way. Thank you for staying the course!  Your answers to my questions were timely and the communication lines were always open.  I will recommend you to my many friends and colleagues. Thank you again for your patience with me with my unique situation."





Ross I just wanted to thank you for all your help and business. You have been very helpful and kind. We will definitely be using you in the future when we buy and or refinance. I will also be referring you. My brother is looking to buy a new house and I told him about you. You have been so nice to help us in answering our questions and walking us thru this process. Hope to see you in a year to buy our home."


"I want to thank Ross for helping us with our refinance. His attention and service was great. We will definitely recommend Ross and BancOhio to those around us."

"I worked with Mark and BancOhio to purchase and refinance my home over the past few years and I have been very satisfied each time. I continue to refer potential clients to Mark because of the positive experiences I have had with BancOhio."



"This was my first experience with BancOhio but I had spoken to Ross before when he worked at a different company.  The loan that was done for me has a great rate and saves me hundreds of dollars a month.  The loan process was easier than I expected and we were closing in a matter of a few weeks.  I would recommend Ross and BancOhio to anyone that needs a mortgage."


Though the home buying process can be trying and frustrating, one thing that wasn’t was our loan experience. A family member highly recommended Ross Rizzo at BancOhio Financial and we’re very grateful that we heeded such good advice. From application to closing, the loan process was smooth. Communication was great and the guidance Ross provided really helped us through some potentially confusing parts of the journey. We’re sure anyone would be as pleased as we were to have Ross help with their financing needs.






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1284 Larkin Road      Spring Hill, Florida 34608      Phone: 352.556.4906      Fax: 614.781.7901

Office Hours:

Monday - Friday     9:00 AM - 5.00 PM

Weekends: By Appointment Only



Ohio Ph: 614.781.7900       Florida: 352.556.4906

Fax: 614.781.7901


Toll Free:

Ph: 866.903.7900



OH MB.804012.000      NMLS 181032      FL MBR.1120

BancOhio Mortgage

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