With our 15/30 1st mortgage your monthly payment will be based on a 30 year term
with a 15 year fixed rate balloon payment due upon maturity (15 years). This
loan is a great way to get a lower payment and the best rate.
as low as 3.500%
Terms up to 30 years
Fixed rates, adjustable rates & balloon notes
Conventional loans with as little as 10% down
Financing anywhere in the U.S. with appraisal
Financing for condominiums, vacation homes,
double wides, townhouses, patios and planned urban developments. Financing is not available for farms or time shares
Sharefax does not hold any loan with a term exceeding 15 years
program is designed for members who want a repayment period of 180 months
or less. The rates in this program are lower than most mortgage
programs but guidelines are tighter
minimum down payment of 5% is required on residential mortgages, 25%
on investment property
property must be owner occupied. Residential property can
contain no more than 4 unit.
costs are also lower than those of most other institutions
information when applying for a 1st Mortgage Loan:
2 years of W-2's
most recent Paycheck Stubs
Mortgage info (if applicable)
of Sales Contract (if applicable)
End Second Mortgage
End 2nd Mortgage Loans are best for those who need a one-time lump sum of
money. You can borrow up to 80% of the appraised value of your home, minus
any outstanding mortgages.
Fixed loan amount
Fixed interest rate
Fixed term of up to 15 years
of Credit Home Equity
Loans - No
Annual Maintenance Fees!
variable rate 2nd Mortgage allows members to have greater flexibility. You
are approved for a maximum amount and then you can advance the loan
whenever you need the funds.
No Annual Maintenance Fees
Variable Rate Line of Credit based on the Wall
Street Journal's Average Banks Prime Rate
10 year draw period
Maximum repayment period of 15 years from the date of the last advance
Minimum advance of $100
information when applying for a 2nd Mortgage Loan:
1st Mortgage information
Three most recent Paycheck Stubs
2nd Mortgage info (if applicable)
Copy of Deed
Homeowner's Insurance Info
Vacant Land Loans
A minimum down payment or equity of 30% of the appraised amount or purchase price, whichever is less, is required.
Only adjustable or fixed rate mortgages of 15 years or less are permitted.
Maximum acreage financed is 50 acres.
Interest rates will be based on current commercial loan pricing.
A certified appraisal, survey and title search are required.
Call for additional details.
Terms up to six months
Maximum LTV - 80%
Experienced builder required – references needed
Will not finance manufactured homes
20% down payment deposited into Sharefax or unencumbered building lot owned.
Draws & payees will be authorized after inspections by CUSO ($100 per draw).
Builder’s risk insurance required.
Copies of building plans, specifications sheet, furnishings
Title search required prior to construction.
Checks are payable to contractor, subs, suppliers and members.
Only personal residences, when resided in by the member, may be financed.
Call for additional details.
Mortgage Loan Originators
*APR = Annual
Percentage Rate. Rates are subject to change. Contact the Credit Union at (513)
753-2440 for the most up to date rates.
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