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Personal Loans
No matter what you're planning, the right loan can make it possible. Explore options for home, auto, and personal lending, all designed to help you get where you're going.
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Home Loans
From first homes to refinances, we provide loan options throughout North Central Ohio with low down payments and a variety of rates and terms. You’ll work with experienced local lenders, and your loan stays serviced right here in your community.
Benefits
- Purchase or refinance loans for your primary home, vacation home, or investment properties.
- Down payments as low as 3% for purchase transaction on Primary Residences.
- Multiple fixed and adjustable interest rates and terms available.
- Competitive rates.
- Work with local lenders with multiple years of experience. We strive to give you the right loan.
- We service your loans right here at your local bank.
Requirements
- Income verification.
- Qualifying credit.
- Qualified collateral.
Home Equity Loans
Home equity can give you access to the funds you need for improvements, major expenses, or ongoing projects. We offer fixed-rate loans and lines of credit. You'll work with local lenders who understand your needs and will service your loan locally.
Benefits
- First Federal offers second mortgages, home equity loans, and home equity lines of credit.
- We will lend to you whether your first mortgage is with First Federal Bank of Ohio or another bank.
- Competitive rates.
- Work with local lenders with multiple years of experience. We strive to give you the right loan for your situation.
- We service your loans right here at your local bank.
- Fixed Rate Home Equity Loan
- Available in installment terms of 5 or 10 years.
- This is a good option if you need all the money immediately.
- Home Equity Line of Credit (HELOC)
- Combined 10-year draw and repayment period with monthly payment based on outstanding balance.
- Accessible by writing checks against the credit line or withdraws at the branch.
- This is a good option for ongoing borrowing needs.
Requirements
- Available only for a primary residence.
- We loan up to 80% of your home's value.
- Income verification.
- Qualifying credit.
- Qualified collateral.
Home Improvement Loans
If you’re ready to take on home improvements, we offer loans designed to help you get the work done. Our local lenders can guide you through the process and provide financing that fits your plans.
Benefits
- Competitive rates.
- Work with local lenders with multiple years of experience. We strive to give you the right loan for your situation.
- We service your loans right here at your local bank.
Requirements
- Income verification.
- Qualifying credit.
- Qualified Collateral
- Qualified collateral.
Construction Loans
Building a home starts with the right financing, and we’re here to help you get started. Our construction loans offer flexible rate options, a one-time close, and support from local lenders who understand the process.
Benefits
- Competitive rates.
- Fixed or adjustable interest rates with multiple terms.
- Work with local lenders with multiple years of experience. We strive to give you the right loan for your situation.
- We service your loans right here at your local bank.
- One-time close.
Requirements
- Income verification.
- Qualifying credit.
- Qualified collateral.
Auto Loans
We provide financing for automobiles, and our loan officers are available to discuss the options for your next automobile, RV, motorcycle, or boat. First Federal Bank of Ohio can also refinance your current vehicle, and you can call to pre-qualify.
Benefits
- Enjoy local servicing for your loan because it stays at your locally owned, community bank.
- Deal with people you know from your community who are working to give you the Right Loan.
- We strive to turn your loan around quickly.
- No prepayment penalties.
- A low $18.00 title fee.
- Terms up to 84 months available for qualified vehicles.
- Competitive rates.
Requirements
- Income verification.
- Qualifying credit.
- Qualified collateral.
THE RIGHT LOAN. THE RIGHT BANK.
Locally Owned & Operated since 1891. Experience the difference with First Federal Bank of Ohio. Get started today!
