Cincinnati Mortgages and Lending

Cheviot Savings Bank specializes in providing customers with competitive Cincinnati mortgage solutions. Visit one of our many convenient Cincinnati bank locations to speak with an experienced loan officer about how our mortgage and lending services can help. We have the right mortgage option to fit your particular needs.

• Fixed Rate Mortgages — Your interest rate and payment remain the same for the life of the loan. Loans are available for a variety of terms with our fixed rate loans.
• Adjustable Rate Mortgages — If you're looking for a low rate or planning on moving within 7 years, consider an adjustable rate loan.
• Construction/Lot Loans — Close one time for the construction and end loan and avoid a lot of unnecessary costs.
• First-Time Home Buyer Program
  — American Dream Home Loan assists first-time homebuyers with a low down payment.
  — Welcome Home Program, through the Federal Home Loan Bank of Cincinnati, is designed to help qualifying individuals with down payment and closing cost assistance.
• Home Equity Line of Credit Loans — Borrow against the equity in your home for any purpose; you can pay down the loan and re-borrow for years. Best of all, interest may be tax deductible. (Always consult with a tax advisor as to the interest and tax deductibility.)
• Fixed Rate Home Equity Loan — An installment loan with a fixed monthly payment, secured by equity in your home. Interest paid may be tax deductible; consult your tax advisor.
• Jumbo Loans — Fixed rates available for loan amounts over $417,000.
• Residential Investment, Multifamily Loans and Commercial Real Estate Loans — Fixed and adjustable rate mortgages are available on income-producing properties.
• Bridge Loans — Purchasing or building a new home and haven't sold your current home? We have financing options to assist you.
• Auto Loans — If you’re looking to purchase a new or used vehicle, check out our low auto rates.
• OHFA The Ohio Housing Finance Agency - Supports affordable housing opportunities for low to moderate income Ohioans including first time homebuyers, senior citizens and other populations with special needs.
• USDA Rural Development Loans - loans that meet the needs of rural borrowers who do not have the down payment required to qualify for a conventional mortgage.
• FHA Loan - FHA loans have been helping low to moderate income families become homeowners since 1934.

You can borrow up to 85% of the purchase price or appraised value on a 1-2 family home WITHOUT paying private mortgage insurance. Loans are available up to 95% of purchase price with private mortgage insurance.

To find out how Cheviot Savings Bank can help with your lending needs, contact us by phone, fax or e-mail. Our experienced loan officers will discuss a variety of options to fit within your budget, lifestyle and personal preference.

Click here for a list of our loan officers or check the locations page for the nearest branch.