Refinance with Little equity | HomeReady

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Think you don’t have enough equity in your home to refinance? Think again! At Third Federal, you can refinance even if you only have very little equity in your home. And the best news is that it costs you absolutely nothing. It’s true; we pay all of the closing costs which save the average customers about $2,700.

But that’s not all. You can save significantly on your monthly payment – on average about $100 each month. And we offer lower rates, which are about 2.00% APR lower than other refinance programs.

Refinance Rates for October 26, 2020

Cuyahoga County, Ohio

Product	Rate	APR
15 Year HomeReady Refinance	2.59%	2.59%
30 Year HomeReady Refinance	3.09%	3.09%

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Mortgage Refinance

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

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.

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.

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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Rates as Low as 2.50%

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