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Third Federal's Early Approval

Being preapproved for a mortgage is a big advantage.  Being preapproved with Third Federal’s Early Approval program is an even bigger advantage.  With Early Approval, you get a fully underwritten loan approval before you start looking for a house.  Plus, you get a rate lock now, before rates go up.  And Early Approval is good for a full six months.

To learn more, click the video below to watch our Early Approval tutorial.

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Mortgage Purchase

 
Mortgage Purchase Rates for September 28, 2020
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
5/1 ARM (30 year) 2.39% 3.02%
5/1 ARM (15 year) 2.29% 2.82%
5/1 ARM (10 year) 2.29% 2.70%
Product Rate APR
5/1 ARM (30 year) Low Cost 2.74% 3.09%
5/1 ARM (15 year) Low Cost 2.64% 2.92%
10 Year Low Cost Fixed Rate 2.75% 2.79%
Product Rate APR
10 Year Fixed Rate 2.35% 2.53%
10 Year Low Cost Fixed Rate 2.75% 2.79%
Product Rate APR
10 Year Fixed Rate 2.35% 2.53%
15 Year Fixed Rate 2.39% 2.52%
30 Year Fixed Rate 2.89% 2.96%
Product Rate APR
3/1 ARM (30 year) 2.24% 3.05%
5/1 ARM (30 year) 2.39% 2.97%
3/1 ARM (15 year) 2.14% 2.86%
5/1 ARM (15 year) 2.29% 2.73%
5/1 ARM (10 year) 2.29% 2.57%
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Get Preapproved
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Get Preapproved
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Rated 5 out of 5 by from Exceptional Rates, Exceptional Service!! This is my third mortgage loan with Third Fed and I can't say enough about how please we are with its options, rates and service! My experiences have been in the Cleveland and Columbus areas and they are way ahead of the competition in all aspects in both markets.
Date published: 2020-09-15
Rated 5 out of 5 by from new mortgage great service and competitive rates.
Date published: 2020-09-15
Rated 5 out of 5 by from Customer service Our loan officer was super helpful and East to communicate with. They made the process so easy. During a time when many loans were being processed they seemingly made our loan a priority. Communication was so quick as well.
Date published: 2020-09-13
Rated 4 out of 5 by from Low cost Customer service was outstanding
Date published: 2020-09-12
Rated 5 out of 5 by from Awesome customer service!!! I worked with several employees at Third Federal. I found them to all be knowledgeable and willing to help. They took extra time to explain things to me and make my experience something I will never forget!
Date published: 2020-09-12
Rated 5 out of 5 by from Smooth Transition Already a satisfied customer since a refinance in 2015, Third Federal impressed again with a move in 2020. Needed a bridge loan to make it all work and Third Federal couldn't have made it easier to sign things and stay up to date on the progression of both loans. Any questions was promptly answered. Great experience
Date published: 2020-09-11
Rated 5 out of 5 by from Great rates, great service Nick our broker was amazing. Not a single hitch.
Date published: 2020-09-08
Rated 5 out of 5 by from Excellent Service with Low Rates!!! I was referred to Third Federal from a family member and could not be more satisfied. The rates were great and I was in constant communication with my loan officer. I was always in the loop of what was going on. In addition, being a first time home buyer, my loan officer explained everything to me so I was never confused with the details. I would strongly recommend Third Federal to anyone looking for a home loan!
Date published: 2020-09-07
Rated 5 out of 5 by from Best rates, friendly diligent loan officer Ilona is a great asset to your company. From the moment I met her, she was friendly, detailed, and trying her best to provide great service and attention to detail. She kept me informed of every item needed to get my loan approved and to closing on time. The rates were by far the best and most transparent on the web.
Date published: 2020-09-05
Rated 5 out of 5 by from Very Good rates and customer service The loan officer was very helpful, courteous and responded to my requests in a very timely manner. From loan application to closing I was very pleased with the process.
Date published: 2020-09-05
Rated 5 out of 5 by from Great Experience We had a wonderful experience with Third Federal. Our loan officer was very responsive and our rates were so good.
Date published: 2020-09-04
Rated 2 out of 5 by from Great rate, Covid19 affected process entirely Just about everything with the process has gone wrong. This is my third mortgage with This was my 3rd mortgage with Third Federal and it was nothing but issues. Our closing date was changed without our consent, it was difficult to get in contact with our loan officer, issues between insurance and third federal, issues between title company and third federal, and now I find out that my checking account was not entered in for my first auto pay payment. Just when I thought we were finished another issue comes up.
Date published: 2020-09-02
Rated 5 out of 5 by from Low rates great customer service
Date published: 2020-09-02
Rated 5 out of 5 by from Excellent Service, Great Loan options Our loan officer was extremely helpful, and resourceful in getting us qualified...The low closing cost program, even with a higher rate was a very good fit with us. Thank You.
Date published: 2020-08-30
Rated 5 out of 5 by from Low Tate I was referred to Shelli Bev of her kindness this kindness was shown to me as well as I needed not only a loan officer but needed a friend as wel. I was going through a difficult time trying to start my new look fr. I found that friend in Shelli. She worked hard on getting me a loan more than I expected.
Date published: 2020-08-29
Rated 2 out of 5 by from Lost Paperwork Customer service was good throughout our mortgage process, and everything was done in a timely manner, but after we closed on our home we received two phone calls informing us that an important document was lost and we had to drive to their office to sign it again. A month later, they called us about the same document and said it had been lost again and that we would need to come in and sign it for the third time. No explanation was given other than and they had no clue where the document was, which is very concerning considering it includes all of our personal info on it. They even informed us that they assumed it had been taken care of since it had been a month, which means no one followed up to be sure it was. We are disappointed about the mishandling and lack of follow through to make sure all documents are properly and safely received.
Date published: 2020-08-26
Rated 4 out of 5 by from Mortgage for new house Great rate and customer service from the loan officer. The communication and interaction between the Underwriting dept and the Title company was poor however.
Date published: 2020-08-26
Rated 1 out of 5 by from competitive rates would not use them again
Date published: 2020-08-24
Rated 4 out of 5 by from Bi-weekly Mortgage Payments I would like to see if I can pay my mortgage bi-weekly. This was not an option when I acquired my mortgage but if it was, I would have taken advantage of it. This is the one thing I wished third federal offered members.
Date published: 2020-08-19
Rated 5 out of 5 by from mortgage Exceptional rate and awesome customer service!
Date published: 2020-08-18
Rated 5 out of 5 by from Great Service, Low Rates! I am so glad I was recommended by family to check out ThirdFederal for my mortgage loan. I was partnered with Kim who was incredibly kind and had the most patience. Being a first time home owner, I naturally had a ton of questions and Kim made herself available through the process. She was able to get me a great rate and ensured a 30 day close to keep the seller happy. Thank you Kim and Team for all of your help and making this a smooth process. I appreciate you!
Date published: 2020-08-18
Rated 1 out of 5 by from Retrade Rate was advertised as 80 basis points lower than what was ultimately closed and I was no informed of the mistake until it was too late to go a different route with a different lender and still close on the house.
Date published: 2020-08-12
Rated 5 out of 5 by from Great Home Loan Server, Low Rates We shopped around to at least 4 different lenders. The rates and customer service at Third Federal were easily the best in class! We worked with Angela and she was AMAZING and easy to work with!
Date published: 2020-08-03
Rated 5 out of 5 by from Mortgage Process Rates were never lower and Jeff delivered excellent customer service
Date published: 2020-08-02
Rated 5 out of 5 by from Great customer service Prompt replies Great rates!!
Date published: 2020-08-01
Rated 5 out of 5 by from Low rates and excellent customer service My recent experience with obtaining a mortgage to purchase a new home was seamless with Third Federal. The loan officer assigned to me was extremely efficient, customer service orientated and made the process very easy for me. At a time where loan officers are extremely busy, she was on top of everything and always responded in a timely manner. I would use Third Federal again and recommend to anyone looking for a mortgage. They seem very competitive.
Date published: 2020-08-01
Rated 5 out of 5 by from Low rates and excellent service The rates were great and the whole process went very smoothly. We closed on our new home on time. I will definitely recommend 3rd federal to anyone looking to purchase a home.
Date published: 2020-07-28
Rated 5 out of 5 by from Best Mortgage Process This is the fourth house I've purchased over the past 20 years and it was by far the best process I've had. Everything was online (which is preferred for me) with clear instruction on what I needed to provide, where I was in the process and what to expect. I also had a Third Federal associate available to reach out to directly for any questions or clarifications I needed. Her response was almost immediate and anytime she would not be available, I was given a back-up to reach out to. I would highly recommend Third Federal for their great rates and smooth application and closing process.
Date published: 2020-07-28
Rated 5 out of 5 by from Customer Service Outstanding service for over 30 years.
Date published: 2020-07-28
Rated 5 out of 5 by from Very good experience I had a great experience. No issues at all.. and because of covid, everything was done online... never even met my loan officer in person, even though it felt like I did because we talked frequently over phone and email. Would highly recommend.
Date published: 2020-07-28
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Rate Confirmation

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Third Federal Savings & Loan

Rate Confirmation Letter

Congratulations! Based on the information provided, your customized loan rates are shown below. These rates are locked for 60 days.

Rate APR Points Closing Fees Payment
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