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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.


Mortgage Purchase

Mortgage Purchase Rates for July 12, 2020
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
5/1 ARM (30 year) 2.64% 3.11%
5/1 ARM (15 year) 2.54% 2.97%
5/1 ARM (10 year) 2.54% 2.89%
Product Rate APR
5/1 ARM (30 year) Low Cost 2.99% 3.17%
5/1 ARM (15 year) Low Cost 2.89% 3.07%
10 Year Low Cost Fixed Rate 2.99% 3.03%
Product Rate APR
10 Year Fixed Rate 2.59% 2.77%
10 Year Low Cost Fixed Rate 2.99% 3.03%
Product Rate APR
10 Year Fixed Rate 2.59% 2.77%
15 Year Fixed Rate 2.59% 2.72%
30 Year Fixed Rate 2.89% 2.96%
Product Rate APR
3/1 ARM (30 year) 2.44% 3.09%
5/1 ARM (30 year) 2.64% 3.06%
3/1 ARM (15 year) 2.34% 2.94%
5/1 ARM (15 year) 2.54% 2.87%
5/1 ARM (10 year) 2.54% 2.76%
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Rated 4 out of 5 by from Low rates Rates were lower than the market. The loan officer was not in contact with us as much as I would have preferred though he was great otherwise.
Date published: 2020-06-08
Rated 5 out of 5 by from Great Service In these trying times we are all experiencing, Third Federal was able to provide professional and courteous service. They were also able to close my loan quickly which was helpful.
Date published: 2020-06-07
Rated 4 out of 5 by from Bridge & Home Mortgage Loan The rates and fees were very reasonable with no hidden costs. Had a home town feel with professional results. With revised hours it did took a little longer than normal to get some questions answered but it all worked out
Date published: 2020-06-07
Rated 5 out of 5 by from Great rates and customer service Third Federal was really great to work with. Everyone at the Dublin office was friendly and quick to respond to all of my questions.
Date published: 2020-06-06
Rated 5 out of 5 by from rates,cost, communication all excellent Kasandra and Brenda extremely helpful and communicative. Have closed on several mortgages during my life. This one, thus far, has been the best based on rates, costs, communication with agents, and closing. Thank you!
Date published: 2020-06-02
Rated 3 out of 5 by from Lucky they have LOW Rates Communication, Communication. If it wasn't for the low rates and being a locally owned Bank we would have went with another Bank. Third Federal does not do follow the same processes as other banks, and never dealing with Third Federal before we were not proactively informed of the differences. We needed to open a bank account for our Mortgage and only one of us was listed as the signer on the account, not both, I was not aware check or a debit card is not automatically ordered. We lost out on a house due to the Bridge loan application process taking weeks longer than our purchase loan agreement. I don't feel these delays and lack of communication were caused by COVID-19.
Date published: 2020-06-02
Rated 4 out of 5 by from Low rates, low cost, great customer service Great customer service for both this loan and two previous home loans
Date published: 2020-05-30
Rated 5 out of 5 by from Low rates, Excellent service I have had all my home loans with Third Federal for years. This new loan was handled quickly and professionally by Sherri. A great experience.
Date published: 2020-05-29
Rated 5 out of 5 by from Great Loan Officer Rates were good but Sandra my loan officer was a seasoned professional that made things run smoothly through the entire transaction.
Date published: 2020-04-01
Rated 5 out of 5 by from Construction Loan Interest rate is excellent. Customer service was awesome. Thanks again to Linda who was with us from start to finish.
Date published: 2020-04-01
Rated 5 out of 5 by from Excellent and fast Rates were great and the people I dealt with were very professional and very accessible.
Date published: 2020-03-31
Rated 5 out of 5 by from Good Yes.
Date published: 2020-03-30
Rated 5 out of 5 by from Low rates Great customer service
Date published: 2020-03-30
Rated 3 out of 5 by from Rates are among the lowest. Would only recommend based on the super low rates. Customer service is only fair at best. Loan agent needs a fully informed back up person. When she was on vacation, no one could answer my questions. I was told I needed flood insurance "before" my loan was even approved, which made no sense. I actually only needed a quote which was not clearly explained at all. When my online checking account was opened by the agent I couldn't fund it online. I had to physically go to the bank and deposit a paper check. A very antiquated process.
Date published: 2020-03-27
Rated 5 out of 5 by from My New Favorite Bank Everyone I dealt with at Third Federal was so kind and competent, I just wanted to move my car loan over there. But they don't do car loans--just mortgages. And that's maybe why they are so good at it. Everything fell into place as smooth as could be. I personally was so relieved, since it was my first home-buying experience. I highly recommend this bank.
Date published: 2020-03-25
Rated 5 out of 5 by from Excellent service and attention to rate changes. I work with Mary out of the Avon Office and could not have gotten better service. This was my first experience with buying a home and acquiring a home loan. She was extremely helpful with walking me through the process and helping me to understand it.
Date published: 2020-03-24
Rated 5 out of 5 by from Low rates, paid closing cost Working with the Naples Fl branch for the home we purchased there was made easy & painless even though it took a while to find the house we liked, all the banking issues were handled over the phone or computer while we in Catawba Is, Ohio
Date published: 2020-03-22
Rated 5 out of 5 by from Home Mortgage The service I received from Third Federal in securing my home mortgage loan was phenomenal. The whole process was stress free and easy to go through. The rate got was the best around. Thanks to Sherrie at the Mentor location for all her help.
Date published: 2020-03-21
Rated 5 out of 5 by from Best experience ever! Renee was the best great service, low rates, and closed on time!
Date published: 2020-03-20
Rated 5 out of 5 by from Loan Officer Fantastic My loan officer Ben took his time, explained the process and made sure I understood everything through the process. He was timely,’professional and caring. Highly recommended.
Date published: 2020-03-20
Rated 5 out of 5 by from Third Federal tops in home mortgages Loan officer Michelle was very helpful throughout the process.
Date published: 2020-03-19
Rated 5 out of 5 by from Great rates. Super nice loan officer Florangela Romero (NMLS #638064) from the Hallandale location was very professional, supportive and ready to help. It is my 3rd loan with ThirdFederal and each time I had a great experience. Thank you all
Date published: 2020-03-13
Rated 5 out of 5 by from Mortgage Loan My Loan Administrator was absolutely excellent through the whole process. She was kind, efficient, and thoroughly explained everything to me. She was very helpful during this stressful time as a first time home owner. Third Federal offered my a competitive rate and highly recommend the company for first time home buyers.
Date published: 2020-03-06
Rated 5 out of 5 by from Great rates friendly staff Christine Wilkinson Martinez was amazing throughout the entire loan process and I have highly recommended her to friends and family
Date published: 2020-02-26
Rated 5 out of 5 by from Great Service Our loan agent, Angie, was terrific throughout our months-long process, keeping us informed about deadlines and changes, helping us understand everything about our loan and answering mountains of questions, sometimes more than once. The product was affordable and flexible. Couldn't ask for better experience.
Date published: 2020-02-25
Rated 3 out of 5 by from Low rates, but high loan costs Rates are low and customer service is great. But the cost of the loan is high, with high fees. They also don’t pay homeowners insurance through escrow.
Date published: 2020-02-25
Rated 5 out of 5 by from Low rates Service was excellent They were honest straightforward to the point. No BS, no stress, my representative was So nice. She was so understanding easy to talk to. Get things done on time. She was precise and to the point. She work hard and went above and beyond. Excellence is a workmanship. I I would recommend her to anyone who requires to purchase a loan anytime. She's excellent. My process purchasing my home was so smooth. And in two weeks the process was completed . Thanks. Oh so much. May God continue to bless each and everyone of you.
Date published: 2020-02-15
Rated 5 out of 5 by from Low Rates, Amazing Customer Service Rates were the most competitive i've found on the market, and customer service was outstanding. Can't share the loan officer name here but i give her high marks for being responsive, professional and genuinely tries to help the customer throughout the process
Date published: 2020-02-15
Rated 5 out of 5 by from Exemplary Service, Great rates On top of a great rate and low cost option, my loan officer is very accommodating and we were able to close without a glitch and everything went smooth.
Date published: 2020-02-12
Rated 5 out of 5 by from No penalty.. Fantastic Service with big knowledge
Date published: 2020-02-07
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Mortgage purchase promotion