CONSUMER RESOURCES

MORTGAGE LOAN RATES (4/24/2014)

We are currently running several purchase and refinance specials.  Call one our professional mortgage loan specialist at (513) 770-3221 or (513) 677-2411 for details.

Fixed Rate Loans*                                                                        APPLY TODAY!

PRODUCT

POINTS

RATE

APR1

30 YR.FIXED

 NO POINTS

Call

Call

20 YR.FIXED

 NO POINTS

Call

Call

15 YR.FIXED

   NO POINTS 

Call

Call

10 YR.FIXED

   NO POINTS 

Call

Call

FHA Loans*                                                                                  APPLY TODAY!

PRODUCT

POINTS

RATE

APR1

30 YR.FIXED

NO POINTS 

Call

Call

15 YR.FIXED

NO POINTS 

Call

Call

 VA Loans*                                                                                  APPLY TODAY!

 PRODUCT

POINTS

RATE

APR1

 30 YR. FIXED

NO POINTS 

Call

Call

 15 yr. FIXED

NO POINTS 

Call

Call

  

Jumbo Loans*                                                                            APPLY TODAY!

PRODUCT

RATE

APR1

CAPS

30 YR.FIXED

Call

Call

 

5/1 ARM

Call

Call

2/2/5

7/1 ARM

Call

Call

5/2/5

10/1 ARM

Call

Call

5/2/5


HOME EQUITY LINE OF CREDIT

Prime + 0%  (Current Rate 3.25%, APR 3.25%), up to 85% LTV
(with qualifying credit).  A $50 annual fee may apply.

Our HELOC product has a floating rate tied to prime.  It can change daily.  The maximum rate of interest is, in accordance to Ohio's laws, 21%.  Any consumer loan over 21% can be challenged and become void if in excess of that rate.

Fixed Rate Home Equity Loan*                                                 APPLY TODAY!

TERM

RATE

APR1

60 Months

3.25%

3.25%

120 Months

3.90%

3.90%

180 Months

4.50%

4.50%

Combined Loan-to-Value of the first and second mortgages are 85%.  APR is based upon a loan size of $10,000. 
LOT LOAN OR LOT w/CONSTRUCTION LOAN

Lot Only Loan*                                                                          

TERM

RATE

POINTS

APR1

3 Year
Balloon

4.25%

 0%

 4.364%*

15 yr. Amortization   *Based on a loan amount of $93,750

Construction Loan*

 

MARGIN

TERM

RATE

POINTS

APR**1

Homeowner

0.00

12 Months

3.49%

0

3.645%

 Maximum LTV

 

95%*

* 95% LTV for Conventional Loan Amounts   Maxium 85% LTV for loans greater than $417,000
**APR is based on $170,000 and 12 MO interest only term

INSTALLMENT LOAN RATES*

AUTO/TRUCK

TERM

RATE

APR1 2

2013-2014 Models

60

3.25%

3.25%

2011-2012 Models

48

3.50%

3.50%

2008-2010 Models

36

3.75%

3.75%

Motorcycle/ATV
2012 - 2014
Pre 2012


48
36


4.25%
4.50%


4.25%
4.50%

Recreational Vehicles
New
Used


120
60


4.25%
4.25%


4.25%
4.25%

 

Deposit Collateral Loans

60 Month Term

3% over Collateral Rate

Checking Plus Lines

 

18.00%

 

Loans require automatic payment deduction from a 1st National Bank deposit account.  A down payment may be required.

1 APR is Annual Percentage Rate
2 Assumes loan amount of $10,000

*Rates subject to change without notice.

 

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