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Mortgage Loans

Buying Your Home

Whether you’re buying your first home or purchasing another, we pride ourselves on affordability and terms you can understand. The chart below provides a simple summary of the mortgage options we offer for your convenience. Plus, get pre-approved to make your house-hunting experience easier and to give yourself more bargaining power!

Mortgage Refinancing

Save on one of the largest purchases you’ve made by refinancing to one of our lower rates. Plus, you have the option to get Cash-Out when you refinance, so you can pay for your home improvement projects without additional loans!

Apply Now    Rates

Loan Options


  • 10, 15, 20, and 30 year terms available
  • 3% and 5% minimum down payment options
  • Affordable, fixed rates.


  • 15 and 30 year terms available
  • 3.5% minimum down payment
  • Reduced interest rates.

First Time Homebuyer

  • 10, 15, 20, and 30 year terms available
  • 3% minimum down payment
  • Down payment can be from gifts and other eligible sources.
  • Great for homebuyers with good credit but limited funds.

VA Loan

  • 15 and 30 year terms available
  • No down payment required
  • Reduced closing costs and no Monthly Mortgage Insurance.


  • 30 year term
  • No down payment required
  • Reduced Monthly Mortgage Insurance.

Get Started


  • Mortgages are available for primary residences, eligible condominiums, and vacation homes in the state of Ohio
  • Preapprovals on all of our financing options
  • Questions? Email us here.

Contact a Mortgage Specialist

Do you have questions about our mortgage options?  We can help!  Fill out the form below and we'll get right back to you.

Please select the option that best describes your situation

Current homeowner; looking to refinance
Looking to buy as soon as possible
Looking to buy within 12 months
Looking to buy within 13+ months
Just want information

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For CUO employee's NMLS number, please click here.