Cinfed Mortgages: Helping Bring You Home
Cinfed understands there’s nothing quite like the pride of owning your own home.
That’s why we’re ready to help you navigate the entire process. Start with your key documents, which you can upload safely and securely at Cinfed Safe Connect. Click here for a step-by-step guide to creating your account. We’ll help bring you home!
A Few Ways We Can Help You Realize Your Dreams:
FIRST TIME
HOME BUYER
Avoid the expense of private mortgage insurance (PMI) and set affordable monthly payments with a 5-year adjustable rate, with only 10% down payment required.
PURCHASING USING
HOME POSSIBLE®
The Home Possible program, exclusively from Freddie Mac, offers more options and credit flexibility to help qualified borrowers achieve the dream of owning a home — with a down payment as little as 3%.
REFINANCE
Refinancing is perfect if you're interested in acquiring a lower rate, wanting to shorten loan terms, change lenders, or cash out to consolidate.
HOME EQUITY LINE
OF CREDIT (HELOC)
Use the value in your home as collateral to secure a revolving line of credit. Functioning similarly to a credit card, you will be able to use any amount up to the amount initially agreed upon.
BRIDGE LOAN
Our common sense underwriting program that gives your monthly budget the flexibility it needs during your transition to a new home with 12-month, interest only payments.
CONSTRUCTION LOAN
A Construction Loan is used to finance the building or major remodel of your home. Once the construction is complete, your loan is then converted into your new mortgage.
Ohio Homebuyer Plus
Are you an Ohio resident and plan to buy a home in Ohio? As you save for your down payment, you could earn more with an above-market rate! Earn up to 10% APY* when you open an Ohio Homebuyer Plus account.
Program Requirements
- You must be an Ohio resident at least 18 years of age.
- Your primary residence must be in the state of Ohio.
- The funds in the account can ONLY be used for the down payment or closing costs of a home purchased in Ohio, with the home becoming your new primary residence.
Ready To Get Started?
Submit Mortgage Payoff Requests via email to: mortgageservicing@cinfed.com
For 3rd party providers requesting on behalf of Cinfed members, we require the borrower’s authorization and ask that the following be included with the request:
- Member name
- Last 4 digits of member’s account number
- Property address
- Loan number
- Payoff expiration date
- 3rd party’s contact information (email and phone number)
We take pride in making the home building process easy for all parties involved. We've compiled a simple list to get you started with all of the documents you'll need to provide as a builder. Click Here To Learn More.
Feeling great about your home starts with being confident about your finances. The Federal Home Loan Mortgage Corp., better known as “Freddie Mac,” created an online course that takes you through the process. “Homebuyer U” answers many of your questions and concerns up front — and since knowledge is power, it increases your confidence and peace of mind! Click Here To Learn More.
First time home buyers working with Cinfed Mortgages are required to take the course and provide the certificate of completion prior to mortgage loan approval. With all the recent changes in residential real estate, those who haven’t been through the homebuying process in a few years would also find the information helpful. Since it’s an online course, you can proceed on your own time at your own pace.
Feel free to reach out to the Cinfed Mortgage Team for personal answers to any questions.
Questions about other topics related to your personal finances? Visit the Cinfed Financial Education Center for free information, 24/7.
The SAFE Act (Secure and Fair Enforcement for Mortgage Licensing Act) requires all mortgage loan originators register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each loan originator is assigned an NMLS unique identifying number. Registration information can be viewed on the NMLS Consumer Access website
| NMLS ID # | MLO NAME | BRANCH | PHONE NUMBER |
| 585818 | Dwayne Holt | Oakley Branch: 4801 Kennedy Avenue, Cincinnati, OH 45209 | 513-333-3850 |
| NMLS ID # | MLO NAME | BRANCH | PHONE NUMBER |
| 457557 | Ken Jones | Oakley Branch: 4801 Kennedy Avenue, Cincinnati, OH 45209 | 513-333-3872 |
| NMLS ID # | MLO NAME | BRANCH | PHONE NUMBER |
| 502360 | Anthony Fiorino | Oakley Branch: 4801 Kennedy Avenue, Cincinnati, OH 45209 | 513-333-3998 |
*APY = Annual Percentage Yield. This is a variable rate account. Requirements for Ohio Homebuyer Plus account must be met as noted and defined by Treasurer of the State of Ohio. One per member. Minimum $105 opening deposit; maximum $100,000 deposit.