Buying an existing home

Third Federal Savings & Loan

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Third Federal Savings & Loan

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When you're thinking about buying a home, it's always a good idea to get a preapproval before you start looking.  At most banks, preapprovals are just a guess, or what the bank thinks you will qualify for based on the going interest rate and your stated income. Not at Third Federal. Our preapprovals are fully underwritten, so when we say you’re “preapproved” for a loan, you’re approved; end of story.

Third Federal also guarantees you the lowest purchase mortgage rate in the market. If you find a lower rate, we'll beat it, or give $1,000.

Rates for April 30, 2025
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
30 Year Fixed Rate 6.500% 6.548%
3/1 ARM (30 year) 5.990% 6.416%
3/1 ARM (30 year) Low Cost 6.440% 6.484%
5/1 ARM (15 year) Low Cost 6.540% 6.524%
5/1 ARM (15 year) 6.090% 6.330%
Product Rate APR
30 Year Fixed Rate 6.500% 6.548%
15 Year Fixed Rate 5.890% 5.968%
10 Year Fixed Rate 5.890% 6.000%
Product Rate APR
5/1 ARM (30 year) 6.150% 6.408%
3/1 ARM (30 year) 5.990% 6.416%
5/1 ARM (15 year) 6.090% 6.330%
Product Rate APR
5/1 ARM (30 year) Low Cost 6.600% 6.540%
3/1 ARM (30 year) Low Cost 6.440% 6.484%
5/1 ARM (15 year) Low Cost 6.540% 6.524%
3/1 ARM (15 year) Low Cost 6.390% 6.455%
10 Year Low Cost Fixed Rate 6.390% 6.390%
Product Rate APR
30 Year Fixed Rate 6.625% 6.644%
15 Year Fixed Rate 6.015% 6.045%
5/1 ARM (30 year) 6.150% 6.379%
5/1 ARM (15 year) 6.090% 6.282%
3/1 ARM (30 year) 5.990% 6.387%
3/1 ARM (15 year) 5.940% 6.303%
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Mortgage Refinance

At Third Federal, we provide genuinely low rates and closing costs without any tricks or undisclosed mark-ups.

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Preapproval

You’ll receive our fully underwritten preapproval—not just a prequalification. When home sellers and realtors see that you are preapproved with us, they know you’re a qualified buyer!

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Mortgage Purchase

You won't find a better mortgage package – anywhere. No matter which of our many mortgage products you choose, you always get a wealth of benefits.

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Home Equity

With rates near an all-time low, a home equity line or loan is a great option if you’re looking to make a home improvement, buy a car, pay for college tuition, or consolidate high-interest debt, plus our rates are usually at least .25 percent below other lenders.

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Borrowing Help Center

Get tips on smart borrowing, monitor rates, and learn about our home buying seminars.

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