FDIC-Insured—Backed by the full faith and credit of the U.S. Government
MORTGAGE
Dream. Do. Redo. On your terms.
Let’s find a home mortgage loan to match your dreams.
Choose from fixed- or adjustable-rate mortgages (ARMs) or FHA, VA and Rural Development (USDA) mortgage loans.
FIXED-RATE MORTGAGES
Lock into a fixed-rate mortgage if you think you’re there to stay and want regular monthly payments. Terms available to suit your needs.
ADJUSTABLE-RATE MORTGAGES
Think ARM if you plan to move in a few years or want lower monthly payments upfront. Ours offer fixed rates for seven or ten years, then adjust yearly.
FHA & VA MORTGAGE LOANS
Backed by the Federal Housing Administration, FHA loans allow down payments as low as 3.5%. VA loans offer low mortgage rates to Servicemembers, Veterans and eligible surviving spouses.
HOMETOWN ADVANTAGE MORTGAGE PROGRAM
Any individual(s) qualifies whose household income is at or below 80% of area median income (AMI) or is purchasing a property in an LMI tract (low-to-moderate income tract) and does not have any real estate in their name at the time of closing.
RURAL DEVELOPMENT MORTGAGES
Backed by the U.S. Department of Agriculture (USDA), rural development mortgages promote home buying in rural or sparse suburban communities. No down payment and low mortgage insurance rates make them an affordable option.
FREDDIE MAC HOME POSSIBLE® MORTGAGE
This innovative conventional mortgage loan puts the dream of home ownership within reach for low-to-moderate homebuyers. Home Possible borrowers can finance a home with a down payment of as little as 3%. Competitive pricing and flexible terms make it affordable and attainable.
FREDDIE MAC HOMEONE® MORTGAGE
Like Home Possible, Freddie Mac’s HomeOne program lets you put down just 3%. The difference? It’s for qualified first-time homebuyers and no cash-out refinance mortgage borrowers only. Even with less than perfect credit, you can still realize the benefits of homeownership.
Help with down payments
Ready to buy but not ready to put down 20 percent? See if you qualify for a Downpayment Assistance Program. Welcome Home Program is an annual grant from the Federal Home Loan Bank that provides low- to moderate-income homebuyers with funds toward a down payment. Community Housing Improvement Program (CHIP) grants help low- to moderate-income buyers improve affordable housing. Contact CHIP at (419) 784-3882 for more information.
"Home at Last" in Lucas County provides down payment assistance for eligible first-time homebuyers in Lucas County.
ALL MORTGAGE FEATURES & BENEFITS
- Free pre-approval for added confidence in your financing
- Competitive interest rate mortgages for purchase or refinance
- Flexible repayment terms
- Loans for primary residence, second homes and more
- Wide range of financing programs available
- Helpful lenders with working knowledge of the local market
- Quick local decisions and loan processing
(1) The servicer shall conduct an escrow account analysis before establishing an escrow account to determine the amount the borrower shall deposit into the escrow account, subject to the limitations of §1024.17(c)(1)(i).After conducting the escrow account analysis for each escrow account, the servicer shall submit an initial escrow account statement to the borrower at settlement or within 45 calendar days of settlement for escrow accounts that are established as a condition of the loan.
What’s it like banking with us? See for yourself.
Meet our Home Loan Team
Whether you’re searching for your dream home or ready for a remodel, our experienced team will tailor a solution to your unique situation.
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