Home Loans
Your home purchase is as important to us as it is to you. You might need a traditional mortgage. Or, you might have a unique situation making financing difficult. We can help with that, too.
Home Loans
Your home purchase is as important to us as it is to you. You might need a traditional mortgage. Or, you might have a unique situation making financing difficult. We can help with that, too.
Mortgage Loan Options
Purchasing a home is a major decision, and not all loans or situations are the same. Our team will get to know you and your mortgage needs. From there we will recommend programs that best fit your needs. We’ve highlighted a few in the table below.
Contact a Mortgage Originator See Rates
Traditional Mortgage Loans
Looking for a reliable mortgage option? Whether you’re buying your first home, refinancing, or investing in a second property, our traditional mortgage loans offer flexible terms, fixed or variable rates, and competitive down payment options. With no prepayment penalties and an easy application process, we make home financing simple. Plus, qualified buyers can secure a loan with as little as 3% down. Get started today and find the mortgage that fits your needs!
See Rates
Welcome Home Program
Are you eligible for money toward your new home? Contact a mortgage originator today!
Contact a Mortgage Originator
Mortgage Loan Options
Purchasing a home is a major decision, and not all loans or situations are the same. Our team will get to know you and your mortgage needs. From there we will recommend programs that best fit your needs. We’ve highlighted a few in the table below.
Traditional Mortgage Loans
Looking for a reliable mortgage option? Whether you’re buying your first home, refinancing, or investing in a second property, our traditional mortgage loans offer flexible terms, fixed or variable rates, and competitive down payment options. With no prepayment penalties and an easy application process, we make home financing simple. Plus, qualified buyers can secure a loan with as little as 3% down. Get started today and find the mortgage that fits your needs!
Welcome Home Program
Are you eligible for money toward your new home? Contact a mortgage originator today!
Specialty Mortgage Loans
| Options | First-Time Homebuyer Loan | Medical Professionals Loan Program | Construction Loan |
|---|---|---|---|
| Purpose | Purchases | Purchases, refinances, construction | New builds, renovations, or additions |
| Origination Fee | $995 (discounts available) | $1,500 (discounts available) | $2,500 (discounts available) |
| Rates | 10/3 Adjustable-Rate Mortgage | 15/3 Adjustable-Rate Mortgage | Adjustable-Rate Mortgage |
| Features | 5% down payment option, no PMI, multiple terms available, no prepayment penalty | 0% down payment option, no PMI, multiple terms available, no prepayment penalty | 10% down payment option, multiple terms available, no prepayment penalty |
| Qualifications | Minimum credit score of 650, primary checking account with one direct deposit, must be primary residence | Minimum credit score of 680, must be a qualified medical professional, must be primary residence | Minimum credit score of 680, must be primary residence |
| First-Time Homebuyer Loan | Purchases |
|---|---|
| Medical Professionals Loan Program | Purchases, refinances, construction |
| Construction Loan | New builds, renovations, or additions |
| First-Time Homebuyer Loan | $995 (discounts available) |
|---|---|
| Medical Professionals Loan Program | $1,500 (discounts available) |
| Construction Loan | $2,500 (discounts available) |
| First-Time Homebuyer Loan | 10/3 Adjustable-Rate Mortgage |
|---|---|
| Medical Professionals Loan Program | 15/3 Adjustable-Rate Mortgage |
| Construction Loan | Adjustable-Rate Mortgage |
| First-Time Homebuyer Loan | 5% down payment option, no PMI, multiple terms available, no prepayment penalty |
|---|---|
| Medical Professionals Loan Program | 0% down payment option, no PMI, multiple terms available, no prepayment penalty |
| Construction Loan | 10% down payment option, multiple terms available, no prepayment penalty |
| First-Time Homebuyer Loan | Minimum credit score of 650, primary checking account with one direct deposit, must be primary residence |
|---|---|
| Medical Professionals Loan Program | Minimum credit score of 680, must be a qualified medical professional, must be primary residence |
| Construction Loan | Minimum credit score of 680, must be primary residence |
Home Equity Line of Credit (HELOC)
A HELOC can be used for a wide range of needs, including debt consolidation, starting home renovation projects, help with college and more! Some of the primary benefits include:
- Ability to access and manage your line of credit through online or mobile banking
- As the balance is paid down, you can re-borrow for other purposes
- Uses the equity in your home instead of high-interest credit cards
- HELOC Variable Rate Special - Introductory Variable Rate 5.99% APR then as low as 7.25% APR1
- HELOC Fixed Rate Special - Introductory Fixed Rate 5.99% APR then as low as 7.74% APR2
Home Equity Line of Credit (HELOC)
A HELOC can be used for a wide range of needs, including debt consolidation, starting home renovation projects, help with college and more! Some of the primary benefits include:
- Ability to access and manage your line of credit through online or mobile banking
- As the balance is paid down, you can re-borrow for other purposes
- Uses the equity in your home instead of high-interest credit cards
- HELOC Variable Rate Special - Introductory Variable Rate 5.99% APR then as low as 7.25% APR1
- HELOC Fixed Rate Special - Introductory Fixed Rate 5.99% APR then as low as 7.74% APR2
1.Introductory rate of 5.99% Annual Percentage Rate (APR) valid for the first six months of the loan. Introductory rate available for variable home equity loans with up to 80% loan-to-value and credit qualification. Variable rate as low as Prime (currently 7.25% APR) following intro period, based upon Prime Rate published in the Wall Street Journal. Variable rate is subject to change monthly. Annual fee of $50 will apply. $5,000 minimum credit line and 10-year term. Existing customers must have minimum $5,000 balance increase and will have a $495 rewrite fee. Terms and conditions subject to change without notice. Offer expires December 31, 2025. All loans subject to credit approval. NMLS #433461
2.Introductory rate of 5.99% Annual Percentage Rate (APR) valid for the first six months of the loan. Introductory rate available for fixed home equity loans with up to 80% loan-to-value and credit qualification. Fixed rates as low as 7.74% APR following intro period. Annual fee of $50 will apply. $5,000 minimum credit line and 5-year term. Existing customers must have minimum $5,000 balance increase and will have a $495 rewrite fee. Terms and conditions subject to change without notice. Offer expires December 31, 2025. All loans subject to credit approval. NMLS #433461
HELOC Terms
Based on the permanent financing desired, a one-time closing may be available. All loans subject to credit approval.
| Terms | HELOC |
|---|---|
| Property Types | Primary residence and/or second home |
| Terms Available | Multiple term options available |
| Closing Cost | $495 |
| Rates | Fixed or variable |
| Prepayment Penalties | No penalty |
| Qualifications | Get pre-approved at no charge |
Terms
HELOC
Your Home Lending Team
Andrew Rager
VP, Mortgage Lending Manager
NMLS #554353
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Kristen Stall
Mortgage Originator
NMLS #2427702
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Stacy Weihrauch
Branch Manager
Consumer Lender
Bluffton
NMLS # 2693811
Adrienne Warren
Branch Manager
Consumer Lender
Findlay Tiffin Avenue
NMLS # 1764025
Melissa Johnston
Branch Manager
Consumer Lender
Findlay Trenton Avenue
NMLS # 1955960
Martrice Smith
Branch Manager
Consumer Lender
Lima Bellefontaine Road
NMLS # 1621474
Zach Simon
Branch Manager
Consumer Lender
Lima Eastown Road
NMLS # 2615316
Sarah Klausing
Senior Branch Manager
Consumer Lender
Ottawa
NMLS # 1127520
Heather McDonald
Branch Manager
Consumer Lender
Pandora
NMLS # 2691770
Ready to Get Started?
Our convenient online application helps you start your journey in just a few clicks!
Personal Banking Solutions
Ohio Homebuyer Plus
Envision the Future You Want
Specialized, tax-advantaged savings account available to Ohio homebuyers.
Personal Loans
You’re Going Places
New car? Vacation? Surprise expense? We’ve got you covered.
Personal Checking
Banking That Fits Your Life
Discover accounts designed to match your everyday needs.
Based on the permanent financing desired, a one-time closing may be available.
All loans subject to credit approval.
