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Federal law requires that PMI payment be eliminated from your mortgage when your loan-to-value reaches 78% based on amortization. For most homeowners, this takes about 10 years. The good news is that most homeowners don't have to wait that long. As your home appreciates over time you can often eliminate PMI by refinancing. Even better than that is Third Federal offers several low cost mortgages that make refinancing extremely affordable.

Rates for December 19, 2018
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
3/1 (15 year) Low Cost Smart Rate 3.49% 3.98%
3/1 (30 year) Low Cost Smart Rate 3.69% 4.14%
5/1 (15 year) Low Cost Smart Rate 4.19% 4.24%
5/1 (30 year) Low Cost Smart Rate 4.29% 4.28%
10 Year Low Cost Fixed Rate 4.09% 4.13%
Product Rate APR
5/1 (30 year) Smart Rate 3.94% 4.21%
5/1 (30 year) Low Cost Smart Rate 4.29% 4.28%
5/1 (15 year) Smart Rate 3.84% 4.13%
5/1 (15 year) Low Cost Smart Rate 4.19% 4.24%
3/1 (30 year) Smart Rate 3.34% 4.11%
3/1 (30 year) Low Cost Smart Rate 3.69% 4.14%
Product Rate APR
10 Year Fixed Rate 3.69% 3.87%
10 Year Low Cost Fixed Rate 4.09% 4.13%
15 Year Fixed Rate 4.29% 4.42%
30 Year Fixed Rate 4.79% 4.86%
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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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Borrowing Help Center

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