Reduce your Mortgage Payment

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Third Federal Savings & Loan

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There are several ways to lower your monthly mortgage payment. Refinancing to a lower rate is certainly one of them. Some homeowners refinance into a different type of mortgage, like a Smart Rate adjustable rate mortgage, to reduce their monthly payment. And, homeowners with just a few years remaining on their current mortgage sometimes refinance into a longer term mortgage in order to reduce their monthly payment.

Rates for July 09, 2025
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
5/1 ARM (30 year) 6.200% 7.018%
3/1 ARM (30 year) 5.990% 7.146%
5/1 ARM (15 year) 6.090% 6.718%
Product Rate APR
30 Year Low Cost Fixed Rate 6.740% 6.746%
15 Year Low Cost Fixed Rate 6.140% 6.150%
10 Year Low Cost Fixed Rate 6.090% 6.105%
5/1 ARM (30 year) Low Cost 6.500% 7.098%
3/1 ARM (30 year) Low Cost 6.290% 7.184%
5/1 ARM (15 year) Low Cost 6.390% 6.834%
3/1 ARM (15 year) Low Cost 6.190% 6.973%
Product Rate APR
30 Year Fixed Rate 6.440% 6.486%
15 Year Fixed Rate 5.840% 5.914%
10 Year Fixed Rate 5.740% 5.845%
Product Rate APR
30 Year Fixed Rate 6.625% 6.638%
15 Year Fixed Rate 5.965% 5.986%
10 Year Fixed Rate 5.740% 5.771%
5/1 ARM (30 year) 6.200% 6.986%
3/1 ARM (15 year) 5.890% 6.863%
5/1 ARM (15 year) 6.090% 6.665%
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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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