Home Lending

If you are looking to buy or refinance a home, Cincinnati Federal has the answers.

  • We have the experience and knowledge to help you choose the best home financing option that is right for you.
  • We have mortgage consultants in your area to help you on your path to home ownership.
  • Cincinnati Federal is unique in that we can offer nearly every loan product on the market,
    so you’re certain to find the option that best fits your needs.

Apply Now Meet the TeamAdditional Information

Home Equity Loans

Fixed Rate Second Mortgage

This product allows you to borrow using the equity in your current home for any purpose up to 90% of its value. The interest rate is fixed for the entire term of the loan which can be as long as 20 years. 

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit allows you to borrow against the equity in your current home. Pay only the interest due or pay down the loan monthly to allow for more borrowing in the future. A HELOC is a good way to pay for home improvements, college tuition, new car and many other options. The interest rate is not fixed; it could change as prime rate changes. The loan could be as much as 90% of the house value.

Home Loans

Adjustable Rate Mortgage (ARM)

If you are looking for the lowest rate or not staying in your current residence long, check out our 3-1-, 5-1-, & 7-1-year ARMs. Adjustable rates are typically lower than Fixed Rate Mortgages which can allow you to afford more home at a lesser payment. 

Bridge Loan

Looking to buy a new home but haven't sold your current house yet? Our Bridge Loan will allow you to bridge equity from your current home to use as down payment on a new home. We will lend up to 85% of value on current home. 

Construction Loans and Rehab Loans – One-Time Close

Our Construction/Rehab Loans are one-time close loan with one-time closing costs. It allows the borrower to lock in an interest rate up to 360 months before construction begins. 

FHA Loans

If you are considering buying a home with a low-down payment option this product allows for more borrowing flexibility without sacrificing a low interest rate. As a general rule FHA loans are more lenient on underwriting guidelines such as credit history and debt-to-income ratios.

Fixed Rate Mortgage

If you like the peace of mind of a fixed loan payment, this is the product for you. The interest rate and principal and interest portion of the loan are the same for the life of the loan. We offer these loans in a variety of terms.

Jumbo Loan

Jumbo Loans are loans amounts above $647,200. This product is available in both fixed rate or adjustable-rate terms and can be used to purchase or refinance a home. 

USDA Rural Development Loan (RD)

USDA is a Government Loan to help with economic growth in rural areas by offering -0- down payment, low interest rates and low mortgage insurance. USDA has income limitations and the property must be in a USDA eligible area. 

Veteran's Loan (VA)

Most active duty or veterans of the armed services may qualify for a -0- down payment loan on the purchase or a refinance of a home. Also, VA loans do NOT require mortgage insurance. 


Additional Home Loan Options

Home Buyer Assistance Programs

Cincinnati Federal offers several home buyer assistance programs to make home ownership more affordable and easier to obtain. Please note all programs have income, sales price and loan amount restrictions so please contact one of our Loan Officers to see if you are eligible. The programs are listed below:

  • Welcome Home Grant - $10,000 grant that comes out annually on a limited basis
  • Ohio Housing Finance Agency (OHFA) offers up to 5% of sales price for Down Payment Assistance. They also offer lower rates for Ohio Heroes and recent college graduates.
  • Communities First offers up to 5% of sales price for Down Payment Assistance.
  • The Mortgage Tax Credit through OHFA allows for borrowers to save thousands of dollars in interest savings over the life of the loan

Lot and Land Loans

Our Lot and Land loans allow you to buy a lot or land before you’re ready to build.

Physicians Loan

The Physicians Loan is for new and existing Doctors. The program allows for -0- down payment and no Mortgage Insurance. Not all medical positions qualify so please contact a loan officer.

Additional Information To Get Started

Our mortgage consultants work side-by-side with you to evaluate your financing options, answer your questions, and guide you through the process as you make this important decision.

To get started

Apply Now

  • Collect all of the following documents to prepare for your first meeting with your loan officer.
  • Meet Our Team and select the Loan Officer you’d like to work with.
  • If you have further questions, contact us at 513-574-3025.

Please bring the following documents with you to meet with your loan officer.

  • Your past 2 years W2’s or documentation pertaining to other income sources
  • Pay stubs from the last 30 days including Year-to-Date totals
  • Last 2 months statements from any assets you may have (bank statements, 401k, pension, etc.)
  • Divorce decree or Bankruptcy discharge papers if applicable


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