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Refinancing to a shorter term can add up to big savings.That's because with a shorter term, a lot more of your payment goes directly to principal (the actual value of your home). The difference in what you pay over the life of the loan is dramatic.

Rates for January 20, 2019
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
10 Year Fixed Rate 3.59% 3.77%
10 Year Low Cost Fixed Rate 3.99% 4.03%
Product Rate APR
5/1 (15 year) Smart Rate 3.69% 4.15%
5/1 (15 year) Low Cost Smart Rate 4.04% 4.26%
3/1 (15 year) Smart Rate 3.14% 4.09%
3/1 (15 year) Low Cost Smart Rate 3.49% 4.13%
15 Year Fixed Rate 3.99% 4.11%
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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.

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