Home Loans - First-Time Buyer & Mortgage Refinance Solutions in Cincinnati

Our mission is simple—we exist to improve the financial well-being of our members as a member-owned cooperative. From first-time savings to homeownership, we’re here with the guidance, tools, and financing you need to move forward with confidence.

When you work with Sharefax, you’re not just completing a transaction—you’re building a long-term relationship with a financial partner who’s invested in your success and your community. We provide local in-house processing and underwriting that ensures your loan has the attention that you deserve.

Ready to take the next step? Connect with Sharefax Credit Union today and see how we can help turn your homeownership goals into reality.

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Why Choose a Credit Union for Mortgage Loans?

With Sharefax Credit Union, members often enjoy competitive mortgage rates, lower closing costs, and local, in-house servicing that keeps the entire lending experience more personal and transparent. Instead of dealing with multiple third-party lenders, you work directly with a financial partner committed to your long-term success. We support you through every stage, from opening your first account to financing your home and building a strong financial foundation for the future.

Exploring Your Types of Home Loans

Choosing the right home loan is just as critical as finding the right property. Sharefax provides a comprehensive suite of mortgage options to ensure you find the perfect fit for your timeline and financial goals.

Fixed-Rate Mortgages

Enjoy long-term stability and peace of mind with a Fixed-Rate Mortgage from Sharefax Credit Union. Your interest rate and monthly payments stay exactly the same for the life of your loan, making budgeting effortless. Secure your competitive rate and build your future with confidence today.

First Time Homebuyer

Achieve your dream of homeownership with Sharefax Credit Union’s First Time Homebuyer Loan Program. Designed specifically for first-time buyers, this program offers lower monthly payments, flexible qualification terms, reduced closing costs, and personalized expert guidance to help you confidently take the first step into your new home today. We even give you $500 of your closing costs to help you get started!

Mortgage Balloon

Maximize your financial flexibility with a Balloon Mortgage. Enjoy lower monthly payments during the initial years of your loan, freeing up cash for other goals. It offers you the payment of a fixed -rate mortgage with a lower interest rate. It’s an ideal short-term option if you plan to sell or refinance before the final lump-sum payment comes due.

Home Equity Line of Credit

Tap into your home’s value with a Home Equity Line of Credit (HELOC). Borrow exactly what you need, when you need it, for renovations, major purchases, or debt consolidation. Enjoy flexible repayment options and ongoing access to funds that adapt beautifully to your financial goals.

Closed End 2nd Mortgage

Get the lump-sum cash you need with a Closed-End 2nd Mortgage from Sharefax Credit Union. Enjoy the predictability of fixed monthly payments and a stable interest rate. It’s a perfectly structured solution for financing major life projects or consolidating high-interest debt with confidence.

Mortgage Variable

Take advantage of lower initial rates with a Variable-Rate Mortgage. This flexible option maximizes your purchasing power upfront, with rates that adjust over time based on market trends.

Members across Greater Cincinnati, including Clermont, Hamilton and Warren counties, finance homes with Sharefax. First-time buyers should look at the Welcome Home Grant Funds Program, which can help with down payment and closing costs for qualifying households. Estimate your monthly payment, taxes and escrow with our mortgage calculators, and get a pre-approval before you start house hunting. Your loan is handled locally by our registered mortgage loan originators.

Start Your Journey with Sharefax Today

Whether you want to get pre-approved for your first home loan, explore current mortgage rates, or discuss the benefits of refinancing your existing property, we are here to help.

Reach out to our dedicated mortgage specialists today. Let's work together to unlock the door to your financial future.

Meet Our Mortgage Team!

Brett Guido

Mortgage Lending Manager

I’ve been in mortgage lending since 1993 and joined the credit union world in 2014—where I quickly saw the unmatched value we deliver through personalized service and genuine care for our members. I wouldn’t go back. I live in Butler County with my wife, Michele (married since 1992), our two children, Tommy and Danielle, and our two dogs, Penny Sue and Willow. I’m deeply involved in the community, having served 12 years on the Monroe Local Schools Board of Education and currently serving as President of the Butler Tech Board, now in my 17th year. I’m also active in multiple Chambers of Commerce, Boards of Realtors, and the HBA of Cincinnati. When I’m not working or volunteering, you’ll likely find me obsessing over the Cincinnati Reds—win, lose, or rain delay.

Joe Dorko portrait. Mortgage loan Officer

Joseph Dorko

Mortgage Loan Originator

Joe brings 19 years of lending experience, with a strong focus on helping first-time homebuyers. He holds a BA in Accounting with a concentration in tax accounting. In addition to his financial background, Joe completed three years of Ministry school and has more than 35 years of experience in rental property ownership and management. Outside of work, he enjoys animals, snow, water skiing, hiking, and fishing.

Amber Jordan

Mortgage Loan Originator

Amber Jordan is a Mortgage Loan Officer with Sharefax Credit Union, bringing over 15 years of experience in credit union lending. She specializes in helping first-time homebuyers, guiding members through refinances, and delivering a personal, professional lending experience built on trust and clear communication. Known for her patience, transparency, and member-first approach, Amber takes the time to understand each borrower’s goals so she can provide customized options that truly fit their financial needs. Whether someone is purchasing their first home or restructuring an existing mortgage, Amber’s priority is making the process smooth, stress-free, and easy to understand. Outside of work, Amber enjoys spending time with her husband—her high school best friend—their six children, their dogs, and their flock of chickens. She brings that same warm, down-to-earth energy to every member she serves.

Teresa Wright

Mortgage Loan Originator

Teresa has been a mortgage loan originator for 27 years. She enjoys working with people and helping them with the purchase of a new home or refinancing their current home to consolidate their debt or to do home improvements. Her hobbies are riding a motorcycle, going to Nostalgia drag races and custom car shows. She loves music and dancing.

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Why Sharefax Credit Union?

Whether you’re ready to buy a new home, your first home or refinance your current one, Sharefax can help! With our great rates, your mortgage payment may be less than expected. Everyone living or working in Southwest Ohio is eligible. Sharefax is an equal opportunity lender. NMLS 414408.

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SHAREFAX LOCATIONS

IN SOUTHWEST OHIO

Sharefax Credit Union is a federally insured, not-for-profit cooperative. Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the NCUA (National Credit Union Administration). We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Equal Housing Opportunity.

Learn about Mortgage Loans

Stay informed about Sharefax, explore useful tips, and learn about financial topics.

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7 Ways To Stop Worrying And Love Your Mortgage

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What members are saying...

We’ve been at Sharefax for over 20 years and have nothing but good things to say about them. They know us when we come in and meet all our banking needs.

~ Janette F.

Amazing to deal with and this process was so easy and painless. I am so happy to be a member of Sharefax Credit Union! I recommend them for your banking needs.

~ Kim T.

Image Credit: Chalat photography / Shutterstock