Your Go-to Ohio Mortgage Lender

At FFCCU, it’s our goal to make the complexities of mortgage a trivial pursuit. We know that the rules of the mortgage game sure aren’t the easiest to follow, and having someone on your team is essential. FFCCU is with you for every turn: with personalized member service and mortgage rates that are hard to beat.

Don’t roll the dice with your home buying! Lock in your interest rate when you get preapproved with FFCCU. We’ll connect you to your dream home, whether that means FHA, USDA, and VA loans, every move gets you closer to your dream home.

FFCCU is a proud lender serving the Cleveland-Akron area and surrounding cities to make homeownership in Northeast Ohio a reality for all consumers! We are a local Ohio mortgage lender offering you game-changing mortgage rates.

It’s your turn – visit us at any FFCCU branch today!

KUDOS!

Beth was great to work with! Super responsive. The entire process was so smooth and easy!

-Brooke G.

Beth Meyer is priceless. I can’t imagine things going any smoother. She stayed in touch at every step and moved everything along with ease.

-Ryan R.

The loan process was quick and easy. One of the FFCCU teammates told me about loan options when I was at the branch – by the time I was home 10 minutes later – they had already checked in.

-John S.

Fortunately, we found out about the mortgage program at FFCCU. We had originally applied for a loan through a bank, but they were not interested in helping us. FFCCU put through our loan in a timely m...

-John B.

Beth and Kathy were excellent to work with. They answered every question I had and every phone call I made. I loved those two.

-Alan S.

More Kudos!

Mortgage Products

We have the home loan to meet your needs! Explore the different loan types we offer whether you are a new or pre-existing home buyer!

Government-Backed Loans

We offer several types of government-based loans, providing more flexible credit guidelines while still offering attractive rates.

FHA Loans: These loans are insured by the government. They have easier credit qualifying guidelines and lower down payment requirements. Your down payment can be a gift from a family member or can even be borrowed. (restrictions may apply). An FHA loan will likely offer the best rates if your credit score is on the lower end of the scale.
VA Loans: Financing available to eligible veterans and active-duty service members to help purchase properties with no down payment and no private mortgage insurance (PMI).
USDA: A loan for rural families and individuals with low and moderate-income, assisting in qualifying the borrower for mortgages even without a down payment.

Which loan type is right for you? Let us take the confusion out of the loan selection and application process. Get in touch with us today!

Our Rates

As of June 18, 2025

Type	Interest Rate*	APR**	Monthly Payment
30 year conventional loan	as low as 6.175%*	6.391% APR**	$1,221.70
20 year conventional loan	as low as 5.925%*	6.208% APR**	$1,424.22
15 year conventional loan	as low as 5.675%*	6.029% APR**	$1,652.80
10 year conventional loan	as low as 5.425%*	5.925% APR**	$2,163.10
All rates and estimates listed are based on qualifying credit. Rates and payments may be higher depending on credit score or other factors pertaining to credit-worthiness. *Calculations are based on a $250,000 purchase with 20% cash down, resulting in the financing of $200,000. APRs reflect fees of $4,500 and terms described above (30, 20, 15, and 10-year fixed-rate conventional loans). Monthly payment does not include taxes and insurance premiums. The actual payment amount will be greater. Payment assumes a loan-to-value (LTV) of 80%.

Pre-Approval

In today’s housing market, getting pre-approved for a mortgage is necessary if you want to give yourself a competitive edge. Pre-approval shows sellers and realtors that you’re serious about buying a home. You will be required to provide proof of assets, income, employment, and debt. This process involves pulling your credit report and score to examine your credit history and identify issues.

Loan Application Process

Applying for a mortgage can start with either a phone call or by filling out a fully online loan application.

If you currently have a loan through Woodside Mortgage Services Inc. and need support, please contact Bill Keller at 216.591.2202.

If you currently have a loan through MyCU Mortgage and need support, please call 937.912.8184.

Need Help? Let Us Help You with Your Mortgage, Refinance, or Preapproval

To speak with one of our mortgage loan originators, fill out the fields below. We’ll get back to you in 1-3 business days.

Whether it’s your first home or your forever home, we will help you get a detailed rate quote with monthly payments and closing costs.

Mortgage FAQs

HOW CAN YOU OFFER SOME OF THE BEST MORTGAGE RATES IN OHIO?

As a not-for profit we exist to serve our members’ credit needs, not just generate a profit. Since we don’t sell most of our mortgages, we have more control over our rates.

Apply Today

SHOULD I USE A CREDIT UNION FOR A MORTGAGE?

We think so! Credit unions are often locally based organizations with a pulse on the housing market in your city. Not to mention, credit unions like FFCCU are not for profit, and you are a member, not a customer. Because of this, you can expect better customer service, more savings, and fewer complications!

Learn more about the benefits of choosing a credit union for your mortgage!

WHAT ARE THE DIFFERENT TYPES OF MORTGAGE LENDERS?

Banks and credit unions are considered direct mortgage lenders. Credit unions can provide many financial products and services, from savings to lending. A mortgage broker and mortgage companies exist solely to offer home lending solutions. Our members prefer using credit unions for their loan needs because of the service, rates, experience, and trust we provide. Stop by one of our local branch offices today to learn more.

HOW MUCH CAN I AFFORD?

Income, current debts, loan term, and your anticipated down payment amount can help you find how much you can afford. You should also focus on what you can afford as your monthly payments. Check out our loan calculator to help you determine how much you can afford to borrow. For more information, schedule a meeting with our mortgage loan originator today.

Schedule a pre-approval meeting

WHO CAN GET A MORTGAGE FROM FFCCU?

As long as you’re eligible to be a member, you can apply for a mortgage with FFCCU. Membership at FFCCU is open to anyone who lives, works, worships, or attends school in the Cleveland Akron area including Cuyahoga county, Geauga county, Lake county, Lorain county, Medina county, Portage county, and Summit county.

Become a member today!

Bill Deighton

Bill has over 40 years of experience in credit unions and previously served as Chair of the Board of Directors for 30 years. Bill is a retired Captain of the Cleveland Fire Department. Along with his credit union experience, he has served for 16 years on the Ohio Police and Fire Pension Fund Board. He believes that credit unions are powered by providing the best customer service to members. Bill volunteers at St. Ambrose Parish and the Fire Museum renovation. Bill and his wife live in Brunswick and have two grown children.

Anthony Missig

Tony is honored to have been the current Board Director since 1999. He has been a credit union member of Cleveland Fire Fighter since 1988. Tony graduated with a BA degree in Business from Hiram College and an MBA from Baldwin Wallace College. He is currently an Assistant Chief with the Cleveland Fire Department.

Ben Laurendeau

Ben Laurendeau has been employed in the credit union industry since 1987 in a variety of positions. Ben has held the position of President/CEO with Firefighters Community Credit Union since January of 2005. Ben holds an Associate Degree in Accounting from Terra Community College, A Bachelor Degree in Accounting from Tiffin University and a Master of Business Administration Degree from Baldwin Wallace University. Ben serves as a Director on the Ohio Credit Union League Services Corporation Board and serves on the Ohio Credit Union League Audit Committee.

Gary D. Arbeznik

Gary is a lifelong resident of Greater Cleveland and has been a member of the Board of Directors since 2018. Many of his family members have served in the Cleveland Fire department and are long-time members of FFCCU. Gary holds a BA from Columbia College and a JD g from Cleveland State University. He has worked for both Cuyahoga County and the US Attorney’s office in Cleveland during his legal career. Now retired, Gary and his wife live in Lakewood.

Barbara McCullough

Barb is a current Board Director of FFCCU and a fully vested member. She has an MBA in Finance and has spent 25 years teaching to all walks of life. Barb is a volunteer with the Foundation for Geauga Parks, Ohio Department of Natural Resources, Lorain County Spirit of America, and Girl Scouts of Northeast Ohio. Barb is a lifelong resident of the Cleveland area. She and her husband have one daughter.

Alyssa Garcia Evanoff

Alyssa Garcia Evanoff joined Firefighters Community Credit Union as the Chief Marketing Officer in February 2019. Alyssa has nearly two decades of experience in brand management and strategic marketing with a variety of organizations across the Greater Cleveland area. During her career, she has developed successful marketing and creative campaigns that have repositioned brand image and increased brand loyalty through emerging digital trends, content marketing and user experience strategy. Alyssa is a graduate of Miami University and sits on the board of the Cleveland chapter of the American Advertising Federation.

Jessica Bittner

Jessica Bittner joined FFCCU as a teller in 2009. In 2012 she was promoted to branch manager, and has managed multiple branches throughout the credit union. Jessica holds a Bachelors in Human Resource Management & Business Management, with a minor in accounting from Baldwin Wallace University. She was promoted to COO in 2021.

Kathleen Riggs

Kathleen Riggs joined FFCCU as Chief Retail Officer in 2013. Kathy has been in the financial services industry for over 25 years, holding a variety of positions. Kathleen received her bachelors degree in psychology from Kent State University and is a certified trainer of CUNA’s Creating Member Loyalty program.

Paul Humphrey

Paul Humphrey was born and raised in Northeast Ohio. He joined FFCCU in 2017 as the Chief Lending Officer. Paul is a graduate of Kent State University. He holds the designation of Certified Credit Union Financial Counselor (CCUFC) from CUNA. Paul has managed lending programs in both small and large credit unions and brings that unique perspective to serve the members of FFCCU.

John Carrick

John Carrick is the Chief Financial Officer of Firefighters Community Credit Union in Cleveland, Ohio. John was hired by Greater Cleveland Firefighters Credit Union (former name of Firefighters Community Credit Union) as an Accounting Assistant in February 1993, was promoted to acting CFO in 1995, and was awarded the position of CFO in 1996. John has assisted in the acquisition of multiple mergers for Firefighters Community Credit Union and has managed two different Merging Credit Unions during the merger process. John is a former member of the Audit Committee of the Cleveland Chapter of the Ohio Credit Union League. John holds a Bachelor of Business Administration degree from Cleveland State University.

Dennis Corrigan

Dennis has been a member of the Board of Directors since 2017. He is invested in forming bonds between the Credit Union and the community and helping members improve their economic situations. He has a strong desire to have a voice in the decision-making process of an institution that he was raised with and believes in. Dennis has been a part of the Cleveland Fire Department for 25 years and is currently a Captain. Dennis and his wife live in the Cleveland area with their three children.

Damian Borkowski

Damian has served on the Board of Directors for over 10 years. He has been the Citywide Service Manager for the City of Cleveland since 1983 and manages the demolition of houses and buildings. He holds degrees in Law and Engineering and is a member of the Ohio Bar. Damian lives with his wife in the Cleveland area. He has been a credit union member for 30 years.

Rich Bowman

Rich serves as the Chair of the Board of Directors and has been a board member since 2009. He has been a Cleveland Firefighter since 1989 and is presently a Battalion Chief serving the city’s lower west side. Rich is a founding member and Treasurer of the Firefighters Memorial Ride. Since their inception in 2004, they have donated over $250,000 to the families of fallen Fire, Police, and EMS workers. He has a bachelor’s degree in Business Administration with a minor in Finance from Cleveland State University.

James E. Polk

James is the Vice-Chair of the Board of Directors and has served on the Board since 1982. He has also held the position of Secretary. Jim is a retired Cleveland Firefighter after 30 years of service. He is the past treasurer of Fire Fighters Local 93 and served on the Union Executive Board for 18 years. Jim is also a former Worker’s Compensation Representative for Local 93 and the NOFF.

Bryan Gallagher

Bryan has served on the FFCCU Board of Directors since 2006 and looks forward to continuing to help the credit union move forward and provide quality services to members. Born and raised in Cleveland, Bryan and his wife live in Lakewood and have three grown children. He holds a degree in Communications from Cleveland State University and spent 40-years as a cameraman for the MLB and NBA. After 33 years, he retired as a Captain from the Cleveland Fire Department. He is a former Sergeant at Arms for Local 93 IAFF and was Secretary for the Firefighters Memorial.

Robert Schwind

Bob is a lifelong Cleveland resident and has been a member of FFCCU since 1993. He has served on the FFCCU board since 2019. Bob is a graduate of Cleveland State University and has served as a Cleveland firefighter for the past 28 years, becoming a lieutenant in 2002. He and his wife live in Cleveland and have two grown daughters.

James Andrews, Jr.

Jim has been a credit union member for over 40 years and has served on the Board of Directors since 2012. He has been a Cleveland Firefighter for 29 years, currently stationed at Engine Company 13. James has served on the Cleveland Firefighters Relief Fund board and was a former Union Steward and Committee Member for Firefighters Local 93. He and his wife have three children.

Your Go-to Ohio Mortgage Lender