Mortgage Loans

1st Mortgages - Serving Southwest Ohio & surrounding areas

1st Mortgage – Finance up to 97% LTV
VA, FHA, & Reverse Mortgage Loans
15/30 1st Mortgage
Info Needed When Applying
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

Contact a loan officer at (513) 753-2440, Ext 5501 for more information.

15/30 1st Mortgage

30 year term with a 15 year fixed rate balloon payment due upon maturity (15 years)

Info Needed When Applying

Information that may be 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

Build Your Dream Home with a Sharefax Construction Loan!

couple building new home

Rates as low as 5.500%*

1st Mortgage Fixed (10 years) rate of 5.500% with a 5.788% APR - $1,627.89/mo

1st Mortgage Fixed (15 years) rate of 5.625% with a 5.828% APR - $1235.60/mo

15/30 mortgage rate of 5.625% with a 5.745% APR - $863.48/mo with a final balloon payment of $105,685.17

*Rates as of 02/01/2023. Based on $150,000 loan amount. 80% max LTV. Credit score 710+.


We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Sharefax Credit Union NMLS: 414408.

Easy to apply online!

Apply today for a fixed rate mortgage.

To schedule an appointment with a loan officer, please call 513-753-2440 ext. 5501

or email

TruStage Insurance Agency. Home insurance savings for hard working people.

Realtor Partners

Looking for a realtor to assist you with finding your next home?

Contact one of our Realtor Partners.

Specialty Loans

Vacant Land Loans
Construction Loans
Mobile Homes
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
  • Construction terms up to twelve months available
  • Interest only payments during construction process
  • 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.
  • Inspections & title updates required for each 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.
  • Property being built must be for use as primary residence (owner occupied) by member
Mobile Homes
  • 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

Lines of Credit

Home Equity Line of Credit
Closed End Second Mortgage
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
Closed End Second Mortgage
  • 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

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Questions? Contact one of our Registered Mortgage Loan Originators