Mortgages

Credit Union of Ohio, Your Local Mortgage Lender
 

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 Today                 Explore Rates

Type	Terms	Minimum Down Payment	Additional Notes
Conventional	10, 15, 20, and 30 Year	3%1, 5%	Affordable, fixed rates. You should consider monthly payments and total interest when determining the term.
FHA	15 and 30 Year	3.5%	Reduced interest rates. Only available to those that qualify and may require additional insurance.
First Time Homebuyer Program (HomeReady Advantage)2	10, 15, 20, and 30 Year	3%	Down payment can be from gifts and other eligible sources. Requires completion of an online Homebuyers Education Course. Great for homebuyers with good credit but limited funds.
VA	15 and 30 Year	No down payment required	Reduced closing costs and no Monthly Mortgage Insurance. Only available for eligible veterans, active duty, reservist, or surviving spouse.
USDA	30 Year	No down payment required	Reduced Monthly Mortgage Insurance. Income and property address restrictions may apply.
1Down payment of 3% for qualifying First Time Homebuyers   2HomeReady Advantage Program is subject to change at any time

Apply Today                 Explore Rates

Additional offers and information

• 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.

CREDIT UNION OF OHIO'S NMLS # 704953

Amber Stillings #744518
Ashly Price #1485260
Chevella Meadows #1601069
Cindy Walker #1959062
Deanna Kovacs #2212956
Donna Webb #1031998
Evangelina Winfield #1675251
Jennifer Hatfield #541978
Sally Cashdollar #2183854
Shannon Massey #1425125
Spenser Fonner #959273