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Rates As Of January 19, 2017
30 Year
20 Year
15 Year
10 Year
Home Ready




















Conventional Mortgages

Are you looking for the security of a fixed rate and monthly payment? Make budgeting easier with a traditional fixed-rate mortgage. Because your rate is locked in for the entire term of your loan, you can have peace of mind knowing your payment will never increase.

  • Fixed terms of 10, 15, 20 and 30 years
  • Down payment requirements of 3%
  • Refinancing available, including cash out, so you can access your home's equity for remodeling projects, debt consolidation and life's other expenses
  • First-time home buyer programs
  • Lender paid PMI options available*
  • Available for owner-occupied single family homes, condominiums and town homes located in Ohio, Michigan, Indiana, Kentucky, and West Virginia
  • Financing also available for vacation homes and investment properties

HomeReady Loans

  • Fixed term of 15 or 30 years
  • Lower PMI or NO PMI options available (Private Mortgage Insurance)
  • Smaller down payment (as a little 3% down)
  • First-time home buyer course required 
  • Must be a First Time Home Buyer
  • Medium Income Requirements

FHA Loans

With an FHA loan, the minimum down payment is a low 3.50% of the purchase price, making this an affordable option for those wanting to purchase or refinance a home with little cash down.

  • Minimum down payment of 3.5%
  • Available in 15 or 30 year fixed terms
  • Available for purchase or refinance
  • First-time home buyer and existing homeowners are eligible
  • Maximum loan amount is $271,050
  • FHA loans do require an upfront mortgage insurance premium, unlike other conventional loans, but the amount of the premium may be financed into the loan
  • Available for owner-occupied single family homes, condominiums and town homes located in Ohio, Michigan, Indiana, Kentucky, and West Virginia

Rural Development Loans

  • 100% mortgage LTV based on the APPRAISED value
  • Zero down payment and there is no minimum contribution required
  • 30 year fixed rate only
  • Low Interest rates, this is a not a sub-prime mortgage. 
  • Flexible Credit Guidelines
VA Loans

Eligible veterans, reservists, and Active Duty personnel and their eligible spouses with suitable credit, sufficient income and a valid Certificate of Eligibility (COE) can take advantage of 100% financing options with a VA Mortgage, guaranteed by the Department of Veterans Affairs. The property must be occupied by the veteran as their primary residence.

  • Finance options up to 100%, Zero Downh Payment
  • 15/30 Year Fixed Rate Term
  • Reduced Closing Cost

Home Affordable Refinance Program (HARP) 2.0 - *Ends December 2016

If you're not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). HARP is designed to help you get a new, more affordable, more stable mortgage. HARP is unique in that it is the only refinance program that enables borrowers, who owe more than their home is worth, to take advantage of low interest rates if their home is already owned by Fannie Mae. HARP refinance loans require a loan application and underwriting process, and refinance fees will apply.

You may be eligible for HARP 2.0 if you meet all of the following:

  • Your mortgage is owned or guaranteed by Fannie Mae (check now)
  • Your mortgage must have been sold to Fannie Mae on or before May 31, 2009
  • Your mortgage cannot have been refinanced under HARP previously unless it is a Fannie Mae that was refinanced under HARP from March-May 2009.
  • The current loan-to-value (LTV) ratio must be greater than 80%
  • You must be current on the mortgage at the time of the refinance, with no late payment in the past six months and no more than one late payment in the past 12 months

Learn more

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