We understand there's nothing like the pride of owning your own home! That's why we're ready to help you navigate the entire process.
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Start with your key documents, which you can upload safely and securely at Cinfed Safe Connect. Review the Cinfed Safe Connect Guide to create your account. We’ll help bring you home!
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Submit Mortgage Payoff Requests via email to: [email protected]
For third-party providers requesting on behalf of Cinfed members, we require the borrower’s authorization and ask that the following be included with the request:
Any time your credit is pulled, a ‘trigger lead’ file connected to you, the borrower, can be sold to other lenders looking to win your business. It can happen when you apply for a car loan or something as little as a credit card with Target or Kohl’s.
To learn how to opt out, please view our 3rd Party Communications PDF.
We take pride in making the home building process easy for all parties involved. We've compiled a simple list to get you started with all of the documents you'll need to provide as a builder in our Builder Information Center.
Feeling great about your home starts with being confident about your finances. The Federal Home Loan Mortgage Corp., better known as “Freddie Mac,” created an online course that takes you through the process. “Homebuyer U” answers many of your questions and concerns up front.
First time home buyers working with Cinfed Mortgages are required to take the course and provide the certificate of completion prior to mortgage loan approval. With all the recent changes in residential real estate, those who haven’t been through the homebuying process in a few years would also find the information helpful. Since it’s an online course, you can proceed on your own time at your own pace.
Questions about other topics related to your personal finances? Visit the Cinfed Financial Education Center for free information, 24/7.
If you have any other questions, don’t hesitate to contact us.
Qualified home buyers are eligible for financial support from the Federal Home Loan Bank (FHLB) of Cincinnati. The Welcome Home Program offers grants to assist with down payment and closing costs. If you’re planning to purchase a home in 2026, contact Cinfed and start planning today.
The SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act) requires all mortgage loan originators register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each loan originator is assigned an NMLS unique identifying number.
Registration information can be viewed on the NMLS Consumer Access website.
Cinfed Credit Union NMLS ID — 787678.
|
MLO NAME |
NMLS ID # |
BRANCH |
PHONE NUMBER |
|
Dwayne Holt |
585818 |
Oakley Branch: |
|
|
Ken Jones |
457557 |
Oakley Branch: |
|
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Anthony Fiorino |
502360 |
Oakley Branch: |
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Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrows; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau website.
*APY = Annual Percentage Yield. This is a variable rate account. Requirements for Ohio Homebuyer Plus account must be met as noted and defined by Treasurer of the State of Ohio. One per member. Minimum $505 opening deposit; maximum $100,000 deposit.
Bridge Loan
Our underwriting program gives your monthly budget the flexibility it needs during your transition to a new home with 12-months of interest only payments.
Construction Loan
A Construction Loan is used to finance the building or major remodel of your home. Once the construction is complete, your loan is then converted into your new mortgage.
Refinance
Refinancing is perfect if you're interested in acquiring a lower rate, wanting to shorten loan terms, change lenders, or cash out to consolidate.
First Time Home Buyer
Avoid the expense of private mortgage insurance (PMI) and set affordable monthly payments with a 5-year adjustable rate, with only 10% down payment required.
Purchasing Using Home Possible®
The Home Possible program, offered exclusively by Freddie Mac, provides flexible credit options to help qualified borrowers achieve the dream of owning a home.
Home Equity Line of Credit (HELOC)
Use your home’s equity as collateral to secure a revolving line of credit, allowing you to borrow and reuse funds up to an approved limit, similar to a credit card.
Are you an Ohio resident and plan to buy a home in Ohio? As you save for your down payment, you could earn more with an above-market rate! Earn up to 10% APY* when you open an Ohio Homebuyer Plus account.
