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Third Federal offers both purchase and refinance mortgages to those who qualify for our Community Development HomeReady product. HomeReady products are available on loans from $10,000- $150,000.

With a Third Federal HomeReady purchase mortgage, you can put as little as 3% down which can include down payment assistance, funds, or gifts. Qualified borrowers receive up to $3,000 in down payment assistance funds, discounts on closing costs, plus a free preapproval. 

Looking to refinance? With Third Federal’s HomeReady refinance mortgage, you can save significantly on your monthly payment. In fact, the average person saves about $100 each month. Plus, there are no closing costs and we offer lower fixed rates – about 2.00% APR less than other refinance programs.

Rates for December 19, 2018
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
15 Year HomeReady Mortgage 3.99% 4.14%
30 Year HomeReady Mortgage 4.45% 4.54%
Product Rate APR
15 Year HomeReady Mortgage 3.99% 4.14%
30 Year HomeReady Mortgage 4.45% 4.54%
Product Rate APR
15 Year HomeReady Refinance 3.99% 3.99%
30 Year HomeReady Refinance 4.59% 4.59%
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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, plus we lock your rate at preapproval.

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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.