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 5.25%*

15/30 mortgage rate is 5.625% with a 5.745% APR - $863.48/mo with a final balloon payment of $105,690.70

1st Mortgage Fixed (15 years) is 5.625% with a 5.828% APR - $1,235.60/mo

1st Mortgage Fixed (10 years) is 5.250% with a 5.537% APR - $1,609.38/mo

*Rates as of 09/23/2022. 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.

Specialty Loans

Realtor Partners
Vacant Land Loans
Construction Loans
Mobile Homes
Realtor Partners

huff realty logo

Phone: (937) 205-2851



rons realty logo

Phone: 513-403-7909

Web address:

Phone: 513-817-0293

Web address:


Phone Number : 513-322-2905

Web address :

For more information about Sharefax Realtor Partners, click here.

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