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Locking your rate earlier really pays off.

In a rising rate environment, an early rate lock is a must. Only Third Federal can lock your rate at preapproval - before you even find a home!

  • Step 1 — Sign up for Early Approval and be approved for 6 months.
  • Step 2 — Look for your dream home without worrying about an expiring preapproval or having to reapply with a second credit check and income verification.
  • Step 3 — Save thousands! With a rate locked at preapproval, the average homebuyer will save $18,000 over the life of their loan.2

Click here for related disclosures
Click to Speak with a Representative
Request a Call Back
1-800-THIRD-FED Click Here
Rates for January 20, 2019
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
5/1 (30 year) Low Cost Smart Rate 4.14% 4.38%
5/1 (30 year) Smart Rate 3.79% 4.32%
30 Year Fixed Rate 4.39% 4.47%

More reasons to get preapproved with Third Federal's Early Approval

1. A Real Preapproval
At most banks, preapprovals are just a guess. It’s what the bank thinks you will qualify for based on the going interest rate and your stated income. Not at Third Federal. Our preapprovals are fully underwritten, so when we say you’re “preapproved” for a loan, you’re approved, end of story.
4. Free Float Down
So, your rate’s locked for 60 days at preapproval. That’s great, but what if mortgage rates go down while you’re searching for the perfect home? No problem. Third Federal moves you to the lower rate for free, just ask. 
2. Six Months to Find a Home
When you get preapproved at Third Federal, you have a loan commitment for a full 6 months. You can take your time to find the perfect home without worrying about a quickly expiring preapproval. Instead of spending time reapplying with a second credit check and income verification, you can hit all the Open Houses in the neighborhood.
5. Lowest Rate Guarantee
You want the lowest rate possible. But that doesn’t mean you have to waste time shopping around with different lenders. Third Federal will give you the lowest rate possible, guaranteed. If another lender offers you a better rate for the same terms, we’ll beat it or give you $1,000.
3. Rate Locked at Preapproval
You shouldn’t feel rushed to find the perfect home. That’s why we lock down your rate for 60 days at preapproval, before you sign a purchase contract or even find a home. No other lender will lock your rate at preapproval for even a day, let alone 60.
6. 100% Free
Many lenders charge you for a preapproval (even when that preapproval is just a guess). Not Third Federal. Our preapprovals are totally free. We don’t charge hidden fees, or nickel and dime you at every step of the loan process. We want to build a relationship with you. So we treat you, and your money, right.


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Model House
1 Rate lock renews automatically to current rate after 60 days, or anytime upon request. Preapproval rate lock begins at the time of preapproval application. 2 Savings based on $200,000 30-year loan with 20% down. Borrowers responsible for homeowners insurance, real estate taxes and prepaid interest. Product not available for Private Mortgage Insurance, HomeReady, or 240-Day Locks. ©2018 Third Federal