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!
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.
Conventional Loans
Have good a good credit score and a steady income? Then this may be the best option for you. Conventional mortgages often offer lower closing costs and a variety of terms from 10, 15, 20, even 30-year fixed rates.
- Who are conventional loans best for?
A Conventional loan is often the best option for borrowers with strong credit who can contribute a down payment of at least 3%, or perhaps quite a bit more.
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 July 14, 2025
| Type | Interest Rate* | APR** | Monthly Payment |
|---|---|---|---|
| 30 year conventional loan | as low as 6.115%* | 6.330% APR** | $1,213.96 |
| 20 year conventional loan | as low as 5.865%* | 6.148% APR** | $1,417.33 |
| 15 year conventional loan | as low as 5.615%* | 5.968% APR** | $1,646.40 |
| 10 year conventional loan | as low as 5.365%* | 5.864% APR** | $2,157.17 |
*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%. | |||
Refinancing
Want a mortgage that works for you? Consider refinancing your existing loan. With home values on the rise, this may be the perfect way to use the equity in your home to lower your payment or shorten the term on your loan.
We’ll help you find Ohio mortgage and refinance rates that are competitive so you can apply and start saving on your home today.
Use our calculator to determine if refinancing is the best decision!
Mortgage Products
Experiment with a mortgage calculator to see how down payment and interest rate affect the amount of home you can afford.
We’ll help you find Ohio mortgage and refinance rates that are competitive so you can apply and start saving on your home today.
Use our calculator to determine if refinancing is the best decision!
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
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.
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!
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.
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.
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.
