Welcome Home Program

Excited Family In Front of For Sale Sign and House

Introducing the Welcome Home Program at

Sharefax Credit Union – As a member of the

Federal Home Loan Bank of Cincinnati,

Sharefax Credit Union can offer Welcome

Home grants worth up to $5000

which must be applied toward the buyer’s

down payment and closing costs.

Ask a Loan Officer Today or call 513-753-2440 X. 5501

Apply for a mortgage today!

1st Mortgage – Finance up to 97% LTV

  • Terms up to 30 years
  • Fixed rates, adjustable rates & balloon notes
  • Conventional loans with as little as 3% down for owner occupied
  • 25% equity(or down payment) on investment property
  • If LTV is greater than 80% PMI is required
  • Construction Loans
  • 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
  • Residential property must be owner occupied
  • Residential property can contain no more than 4 units

 VA, FHA, & Reverse Mortgage Loans

15/30 1st Mortgage

  • 30 year term with a 15 year fixed rate balloon payment due upon maturity (15 years)
  • Information needed when applying for a mortgage:
    • Last 2 years of W-2′s
    • Four most recent Paycheck Stubs
    • 1st Mortgage information
    • Copy of Deed
    • 2nd Mortgage info (if applicable)
    • Copy of Sales Contract (if applicable)
    • Homeowner’s Insurance Info

Closed End Second Mortgage Loans

  • Borrow up to 80% of the appraised value of your home, minus any outstanding mortgages
  • Fixed Loan amount
  • Fixed Interest rate
  • Term of up to 15 years
  • Information needed when applying for a 2nd mortgage:
    • 1st Mortgage information
    • Three most recent Paycheck Stubs
    • 2nd Mortgage info (if applicable)
    • Copy of Deed
    • Homeowner’s Insurance Info
    • Last 2 years of W-2 may be required.

Featured Partner


  • Members might be eligible to receive discounted costs at closing when using both Sharefax and Star One Realtors to purchase their home through our joint partnership.
  • For more information, click here.


Mobile Homes

  • Used mobile homes must be newer than 7 years
  • Double-wides on a foundation may qualify for a standard mortgage loan
  • Requires a 30% down payment
  • Owner cannot be located in a trailer park.
  • Borrower must own the property on which the trailer is located
  • Other conditions may apply

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.

Construction Loans

  • Terms up to six months, Interest only
  • Maximum loan to value is 80%
  • Experienced builder required – references needed
  • Will not finance manufactured homes
  • 20% down payment deposited into Sharefax or 20% in unencumbered lot owned.
  • Draws and payees will be authorized after inspections by Southwest ($125 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.

Lines of Credit

Home Equity Line of Credit

  • 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
  • REG Z

Registered Mortgage Loan Originators

Whittle, JoyEvendale658628
Thomas, Troy D.Batavia998134
Davidson, LibbyMason470608
Schwan, C. ArleneMilford619433
Renier, Holly J.Batavia663357
Parks, Karen L.Evendale774831
Oaks, Karen S.Mason655300
Malone, A. SelenaMilford645962
Karr, LeAnna L.
Kappler, Lisa K.Batavia619382
Hinkle, ElizabethLebanon654793
Graf Marco, LindsayBatavia1047578
Gordon, Gregory D.Mason673266
Cooper, John R.Batavia663115
Baird, Pamela R.Batavia786211
Gast, Jennifer M.Batavia583958
Jadach, AnnLebanon1641806

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