First-Time Homebuyers
Programs built for a first purchase.
Hover to read moreFirst-Time Homebuyers
Down payment assistance and first-time buyer programs, explained in plain language before you're staring at a term sheet.
A HappyNest Homes partner
Get your financing sorted first.
Mike Roman at Highlands Residential Mortgage is who we send HappyNest buyers to for pre-approval — so you're shopping with real numbers, not guesses.
Before you tour a single house
Know your number before you shop.
A pre-approval isn’t just paperwork — it’s what makes your offer real in a competitive market. Mike walks HappyNest buyers through it early, so there are no surprises once you find the house.
Start your pre-approval
RyanBroker/OwnerHappyNest Homes
MikeLoan OfficerHighlands Mortgage
Why we recommend him
Not a random referral. Someone we’ve closed deals with.
Mike is a licensed loan officer with Highlands Residential Mortgage, based here in Dublin, Ohio. We’ve worked deals together, and he answers his phone — that’s the whole bar, and he clears it every time.
No pressure to use him — but if you need a lender who’ll actually talk you through the numbers instead of just sending a rate sheet, he’s who we’d call for our own family.
What he offers
Loan products for wherever you are in the process.
See Mike’s full profile at highlandsmortgage.com/agents/mike-roman.
Start your pre-approval
Conventional & FHA/VA
The standard paths, done right.
Hover to read moreConventional & FHA/VA
Conventional, FHA, and VA loans — matched to your situation instead of a one-size-fits-all pitch.
Investment & Second Homes
Not just primary residences.
Hover to read moreInvestment & Second Homes
Financing for rental properties and second homes, for buyers who are building beyond their primary residence.
Refinance & Renovation
Rate-term, cash-out, or reno.
Hover to read moreRefinance & Renovation
Rate-term refinances, cash-out, and renovation financing for the house you already own.
What to expect
Three steps, start to close.
- 01Pre-approval callA quick call with Mike to understand your budget and get a real pre-approval letter — not a rough estimate.
- 02Shop with real numbersYou go look at houses with an actual number in hand, so offers don't fall apart over financing surprises.
- 03Underwriting to closeMike's team carries the loan through underwriting and keeps you posted, so closing day isn't a scramble.
About the company
Highlands Residential Mortgage
Founded in 2010, Highlands Residential Mortgage is a full-service mortgage lender headquartered in Dallas, TX, with a Dublin, Ohio office at 655 Metro Place South, Suite 500. Their standing line: “Your Family. Your Future. Our Focus.”
Mike is licensed in Florida, Indiana, Kentucky, Ohio, and South Carolina — reach him directly at 614-273-5276.
Visit highlandsmortgage.comBefore you start touring homes
Ready to get pre-approved?
Reach out to Mike directly, or start the application online — either way, you’ll be shopping with real numbers.
Start your pre-approvalQuestions first? Ask HappyNest or call Mike directly at 614-273-5276.
Mike Roman, NMLS #1835512. Licensed in FL, IN, KY, OH, SC. Highlands Residential Mortgage, Ltd. NMLS #134871. Equal Housing Lender. This is not an offer to lend — rates and programs are subject to underwriting approval.