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Branches by appointment only

The health and safety of our employees and members is our top priority. Due to increasing numbers, we have made the decision that branches will be open by appointment only effective, Monday, November 23. More info here.

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Credit Union of Ohio, Your Local Mortgage Lender

 

Financing a Home

Whether you're buying your first home, purchasing another, or refinancing, you get affordability and terms you can understand. We offer traditional first mortgages, adjustable-rate mortgages, and other loan options. Get pre-approved to make your house-hunting experience easier and to give you more bargaining power.

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

Alicia Hunt #1010850
Amber Stillings #744518
Ashly Price #1485260
Chevella Meadows #1601069
Cindy Walker #1959062
Debra Rider #1146865
Donna Webb #1031998
Jennifer Hatfield #541978
Jocelyn McCandlish #1485427
Karolyn Stephens #1959632
Shannon Massey #1425125

 

 

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