Third Federal Savings & Loan

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Lock Your Rate at Preapproval!

Lock in today's low rates now, even before you find a house!


Thinking of buying a home? With Early Approval, you can lock in today's low rates now, even before you find a home.1

  • If rates go down, you can receive the lower rate just by asking.  
  • Fully underwritten loan approval is good for six months.
  • Low closing cost options
  • It's easy and free to sign up!

  
Hurry, Early Approval ends soon!
Click here for related disclosures



Current Purchase Mortgage Rates for May 30, 2020
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
5/1 ARM (30 year) 2.64% 3.11%
5/1 ARM (30 year) Low Cost 2.99% 3.17%
30 Year Fixed Rate 2.99% 3.06%
30 Year Low Cost Fixed Rate 3.29% 3.30%
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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. Borrowers responsible for homeowners insurance, real estate taxes and prepaid interest. Product not available for Private Mortgage Insurance, HomeReady, or 240-Day Locks. ©2020 Third Federal 

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Rated 5 out of 5 by from Low rates, paid closing cost Working with the Naples Fl branch for the home we purchased there was made easy & painless even though it took a while to find the house we liked, all the banking issues were handled over the phone or computer while we in Catawba Is, Ohio
Date published: 2020-03-22
Rated 5 out of 5 by from Home Mortgage The service I received from Third Federal in securing my home mortgage loan was phenomenal. The whole process was stress free and easy to go through. The rate got was the best around. Thanks to Sherrie at the Mentor location for all her help.
Date published: 2020-03-21
Rated 5 out of 5 by from Best experience ever! Renee was the best great service, low rates, and closed on time!
Date published: 2020-03-20
Rated 5 out of 5 by from Loan Officer Fantastic My loan officer Ben took his time, explained the process and made sure I understood everything through the process. He was timely,’professional and caring. Highly recommended.
Date published: 2020-03-20
Rated 5 out of 5 by from Third Federal tops in home mortgages Loan officer Michelle was very helpful throughout the process.
Date published: 2020-03-19
Rated 5 out of 5 by from Great rates. Super nice loan officer Florangela Romero (NMLS #638064) from the Hallandale location was very professional, supportive and ready to help. It is my 3rd loan with ThirdFederal and each time I had a great experience. Thank you all
Date published: 2020-03-13
Rated 5 out of 5 by from Mortgage Loan My Loan Administrator was absolutely excellent through the whole process. She was kind, efficient, and thoroughly explained everything to me. She was very helpful during this stressful time as a first time home owner. Third Federal offered my a competitive rate and highly recommend the company for first time home buyers.
Date published: 2020-03-06
Rated 5 out of 5 by from Great rates friendly staff Christine Wilkinson Martinez was amazing throughout the entire loan process and I have highly recommended her to friends and family
Date published: 2020-02-26
Rated 5 out of 5 by from Great Service Our loan agent, Angie, was terrific throughout our months-long process, keeping us informed about deadlines and changes, helping us understand everything about our loan and answering mountains of questions, sometimes more than once. The product was affordable and flexible. Couldn't ask for better experience.
Date published: 2020-02-25
Rated 3 out of 5 by from Low rates, but high loan costs Rates are low and customer service is great. But the cost of the loan is high, with high fees. They also don’t pay homeowners insurance through escrow.
Date published: 2020-02-25
Rated 5 out of 5 by from Low rates Service was excellent They were honest straightforward to the point. No BS, no stress, my representative was So nice. She was so understanding easy to talk to. Get things done on time. She was precise and to the point. She work hard and went above and beyond. Excellence is a workmanship. I I would recommend her to anyone who requires to purchase a loan anytime. She's excellent. My process purchasing my home was so smooth. And in two weeks the process was completed . Thanks. Oh so much. May God continue to bless each and everyone of you.
Date published: 2020-02-15
Rated 5 out of 5 by from Low Rates, Amazing Customer Service Rates were the most competitive i've found on the market, and customer service was outstanding. Can't share the loan officer name here but i give her high marks for being responsive, professional and genuinely tries to help the customer throughout the process
Date published: 2020-02-15
Rated 5 out of 5 by from Exemplary Service, Great rates On top of a great rate and low cost option, my loan officer is very accommodating and we were able to close without a glitch and everything went smooth.
Date published: 2020-02-12
Rated 5 out of 5 by from No penalty.. Fantastic Service with big knowledge
Date published: 2020-02-07
Rated 5 out of 5 by from Good rates, great seevice Mortgage rate was excellent. Loan officer did a great job, providing information and keeping us up to date throughout the process.
Date published: 2020-02-07
Rated 5 out of 5 by from Very Satisfied with Third Federal I am very satisfied with Third Federal
Date published: 2020-02-07
Rated 5 out of 5 by from Low rates great service Rates were very competitive and our loan officer and her supervisor were extremely helpful.
Date published: 2020-02-04
Rated 5 out of 5 by from Loan We had a very wonderful experience at North Olmsted with Dawn S. She was very knowledgeable and helpful with our loan process !!
Date published: 2020-02-02
Rated 5 out of 5 by from Mortgage Loan I obtained a low cost mortgage. It was super easy and the loan officers were efficient. It was a very amazing experience!
Date published: 2020-01-31
Rated 5 out of 5 by from Service! and then rates. Wendy in the North Olmsted office was great to work with! She made this a pleasant experience.
Date published: 2020-01-31
Rated 5 out of 5 by from Best closing cost When I was searching for a loan I found that the closing cost varied between lenders, with Third Federal I saved thousands of dollars, have a good rate and the loan officer made things happen even when in a crunch for time, they delivered as promised. Alaways kept me informed along the way
Date published: 2020-01-27
Rated 5 out of 5 by from Low rates, cost was competitive Rates were low, customer service was very good. Had used previously and felt comfortable using again.
Date published: 2020-01-26
Rated 5 out of 5 by from Very professional Our Loan Officer was professional, courteous, competent, friendly and efficient. She did a great job for us.
Date published: 2020-01-24
Rated 5 out of 5 by from Rates the best out there Linda was just great to work with and when she wasn’t there Colleen did a great job also. Both made there process very ease. I felt very comfortable working with them.
Date published: 2020-01-24
Rated 5 out of 5 by from Low Rate, and great customer service! So easy to deal with, and we got a great rate!
Date published: 2020-01-22
Rated 5 out of 5 by from Low rates Best rates along with great customer service
Date published: 2020-01-21
Rated 5 out of 5 by from customer service Customer service ( Mary ) was over & above anything I've ever experienced !!! Outstanding !!
Date published: 2020-01-20
Rated 5 out of 5 by from Low rates Rates are very low as expected. Good competetor for other lendors
Date published: 2020-01-17
Rated 5 out of 5 by from Low rates, exceptional customer service Rates were low, customer service was outstanding, and every employee I came in contact with was easy to work with.
Date published: 2020-01-15
Rated 5 out of 5 by from Great People Great experience Great experience matched with great people. Tom at third federal make it an easy process which is no small task for a first time home buyer. Thanks to a great process of the peace of mind with the locked in rate and the ability to get Tom over phone or email at any time was huge and will make Third Federal my go to for all future mortgage needs.
Date published: 2020-01-15
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Mortgage purchase promotion