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Home Mortgage Loans and Rates

Mortgages

Our loan products are tailored by people who have walked the same path.
Explore our options that best fit your needs and lifestyle.

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Our Loan Options

Fixed Rate Mortgage

A financing option that allows you to effectively maintain a long-term budget through consistent payments.
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Adjustable Rate Mortgage

A financing option that allows you to take advantage of falling interest rates without having to refinance.
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Construction Loan

Our loan options that are designed to finance the construction or major remodel of your home.
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Renovation Loan

Our loan options that are designed to finance your renovation project, for either your new or current home.
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First Time Home Buyer

A tailored mortgage program that addresses typical first time buyer challenges without requiring PMI.
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Home Equity Line of Credit

Use the equity in your current property to make purchases without applying for a new mortgage.
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Already applied? Check the current status of your application.





Resources
We're here to help you understand all parts of this process and provide answers to questions you may have along the way.


Mortgage Education Center

You have options and we want you to know all about them. Read through additional information regarding loan options, mortgage topics, and a financing calculator to help you estimate mortgage costs.





Builders' Information Center

We take pride in making the construction process easy for members and builders. Access information on how to request a draw, and gather documents needed to process your request.


Documents and Contact Information

Complete list of required documents you may need throughout the process, and contact information for our Mortgage department.







Blog Topics
Tips straight from our team to help you reach your financial goals.

Jar of Money

Jar of Money

HOW TO KNOW IF YOU'RE READY TO BUY


Are you ready to think like a homeowner? Our Mortgage Lending Director has 4 reasons you may be ready. Read Now ►

HOW I BOUGHT A HOME IN CINCINNATI


Hear this local homeowner's unique homebuying journey and the financial decisions that helped them get there. Visit our Blog ►




Lock in your best Rate

Term

Rate as low as

APR*

Points

Conventional1

30 year

3.500

3.527

0

20 year

3.375

3.413

0

15 year

3.250

3.298

0

10 year

3.125

3.195

0

7 year

3.00

3.098

0

5 year

2.875

3.010

0

First Time Homebuyer2

7/1 ARM

3.750

3.777

0

Adjustable Rate3

1 year ARM

3.125

3.151

0

3/1 ARM

3.250

3.276

0

5/1 ARM

3.375

3.402

0


QUESTIONS?
Get the answers you're looking for.

Send a message to one of our home lending specialists.
Or reach them at 513-333-6337.


*APR= Annual Percentage Rate
1. 80% maximum loan-to-value (LTV) with no cash-out. APR assumption based upon $100,000 loan amount. Rates subject to change. As Low As Rates based upon LTV. Loan amounts up to $484,350; avoid PMI with LTV of 80% or less. 80/10 financing available.
2. No points. Only 10% down payment required. 90% financing. Adjustment Period Cap: 2%. Cap over term of loan: 6%. Up to 30-year term. Rates adjust after 7 years, then each year thereafter. Actual rate depends on loan to value (LTV). Must meet First Time Homebuyer qualifications.
3. Rates adjust after the first 1, 3, 5 or 7 years dependent on type of ARM, and each year thereafter. Actual rate depends on LTV (loan to value). Up to 85% financing. Adjustment period cap: 2%. Cap over term of loan: 6%. Avoid PMI with LTV of 80% or less. 30-year amortization. Jumbo Loans over $
484,350 add 0.500% to the corresponding As Low As Rate.



CONTACT CINFED

Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656

MEMBER REVIEWS

They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
— Tim Grabenstein
I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
— Melanie
Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
— Vonda
How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
— Debbie G
Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
— Robert Olguin
I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
— Andreya T Williams
I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush

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