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Ohio's First - Time Homebuyer Program

Program has been extended till January 23, 2009!!!!!!

6.25%
(7.239% APR based on $120,000 loan)
30 year fixed mortgages

PLUS.......
Borrowers can apply for assistance with the closing costs (up to 4% of the OHFA First Mortgage Loan!)

1.  Interest rate on the second mortgage is equal to 2% above the related OHFA first mortgage loan
2.  The loan will be fully amortized for a term of 20 yrs.        
Some restrictions may apply
Loans are available on a first come, first served basis.

Visit the Ohio Housing Finance Agency website at www.OhioHome.org and click on My Ohio Mortgage

QUALIFIED HOMEBUYERS

• Non-Target Area*:  1st time buyer, have not owned a
  home in the last 3 years

• Targeted Area*:  Anyone may purchase, must reside in
  the property
  
  *A list of target and non-target areas is available upon request.
  *Click here for a list of participating financial institutions in Warren
    County

QUALIFIED PROPERTIES

• Existing House

• Spec House

• Nearly Complete House

• Modular or Manufactured House
  

ACREAGE LIMITATION

• Up to two (2) acres (unless additional acreage is required by local
  health or safety code)
  

TO APPLY APPLICANTS MUST HAVE

• A signed purchase agreement
• Most recent pay stubs
• Past 3 years of federal tax returns
  

1st National Bank
1160 E. Main St.
Lebanon, OH  45036
513-932-3221

**** "Loans are available on a fair and equal basis   regardless of race, color, ancestry, national origin, religion, sex, or physical handicap."****

Funding provided by Ohio Housing Finance Agency
through the State of Ohio Residential Mortgage Revenue Bond Program