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Mortgage Loans

Conventional Fixed Rate Loans

If you want the comfort of knowing what your interest rate and payment will be the same over the life of the loan, a fixed rate loan may be for you! The Ohio State Bank offers a wide range of conventional fixed rate loans. Talk to a lender for our current rates and payment plans.

Adjustable Rate Loans (ARM)

Take advantage of lower rates and lower payments for a full 3 or 7 years. Payments adjust annually after the fixed rate duration with a per year and lifetime maximum. If you don't plan to be in your home for a long period of time, an adjustable mortgage can be the perfect situation.

Our 3/1 and 7/1 programs are available with 15 year and 30 year amoritization
Lifetime Interest Caps
No PMI required
No prepayment penalty
Adjustable rate loans are NOT sold. The Ohio State Bank keeps the loan in-house which means you maintain the same level of personal service that you signed up for throughout the life of the loan.

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