As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing.  
I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs.


As a dedicated refinance mortgage specialist, I focus on understanding your unique financial situation to find the best mortgage solution for you. My goal is to help you secure a loan that not only meets your needs but also enhances your overall financial well-being.


Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Originating Manager

Damon is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 19 years of experience in financial services, specializing in home purchases and refinancing. He holds an MBA in Finance from Xavier University (2004) and has been a consistent President’s Club honoree, recognized as a top-performing mortgage loan officer in the Cincinnati area.
Known for his client-focused approach, Damon helps first-time homebuyers, current homeowners, and investors navigate the mortgage process with ease. Whether clients are looking to purchase a new home or refinance their mortgage, he provides clear, personalized guidance tailored to each unique situation. No question is ever too simple or too complex.
📞 Call Damon today at 513-448-5552 for expert advice on your next home purchase or refinance in Cincinnati and the surrounding areas!

The DiBari Team at Guaranteed Rate Affinity (NMLS #520809)

Helping homebuyers in Ohio and Kentucky buy homes with confidence and without the stress.


Hi, I'm Jeff Fries, a mortgage loan officer based in Cincinnati, Ohio, helping clients navigate the home financing process with clarity and confidence.


With over 15 years of experience, I specialize in working with first time buyers to experienced homebuyers across Ohio and Northern Kentucky, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like Conventional, FHA, VA, investment purchases including DSCR and out of the box 1099 or Bank Statement loan programs  
I'll walk you through your options and help you choose the right strategy—not just the easiest one. I excel with investors and unique income, so no situation is too difficult for me!


What sets me apart:  
- Clear, honest communication—no surprises  
- Listening closely to my clients and evaluating their needs. I'm committed to helping clients from every background achieve their dreams of homeownership  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped at least 700 clients throughout Ohio and Kentucky secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. My clients praise me on being available (even on weekends) and responding quickly to questions and concerns. But, check out my client reviews to see what it's like to really work together.


When I'm not helping clients, you'll find me spending time with family of three children, coaching my son's baseball team, playing golf, and remodeling my home.


I believe this business is about relationships—and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

VP of Mortgage Lending

Jeff Fries is your Cincinnati local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jeff is committed to helping homeowners with home purchase loans and refinances. Contact Jeff at (513) 975-4722 for more information!

Jeff Fries at Guaranteed Rate Affinity (NMLS #926910)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Associate VP of Mortgage Lending

Merrell Hughes is your Cincinnati  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Merrell is committed to helping homeowners with home purchase loans and refinances. Contact Merrell at (513) 258-2509 for more information!

Merrell Hughes at Guaranteed Rate Affinity (NMLS #1936462)

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