Loan Programs



*For Important Account Information Click Here.

Our primary business is making loans for the purchase, construction and refinance of homes. We also lend on residential rental properties, commercial real estate, and on vacant land. We make fixed and adjustable rate home equity lines of credit loans.

This is a summary of some highlights of our loan programs. Please stop in, call us or email us for details. We've been helping families own their homes since 1895 and we want to help your family, too. We're proud to be an Equal Housing Lender, so you know you'll receive fair treatment from us.
TODAY'S RATES
click to view today's rates below
LAND LOANS
• Loans up to 65% of the appraised value or purchase price
  (whichever is lower). Maximum Loan Amount of $100,000
• No application fee
• No prepayment penalty
• 10 Year 1/1 ARM
HOME LOANS
Home Loans can be made for up to $1,000,000 and 90% of the appraised value. We offer fixed or adjustable rates and terms to 30 years.
• No application fee
• No prepayment penalty
• We do not require Private Mortgage Insurance (PMI)

1-4 FAMILY RENTAL PROPERTY LOANS
Loans up to 85% of the appraised value or purchase price (whichever is lower)
• No application fee
• No prepayment penalty

Three types of Rental programs are available:
• A 25 Year Fixed Rate
• A 30 Year ("1/1") Adjustable Rate
• A 30 Year ("5/1") Adjustable Rate

5 OR MORE RESIDENTIAL PROPERTY & COMMERCIAL PROPERTY LOANS
Specifics will vary depending on your individual situation.
AUTOMATIC MORTGAGE PAYMENT
If you have both your mortgage loan and checking account with Fairfield Federal, you can sign up today to have us automatically make your mortgage payment from your Fairfield Federal checking account. You may qualify for a rate discount on your mortgage loan. Stop in and sign up for this free service.

LOAN DETAILS


• Interest Rate buydowns available
• 300 day Rate lock is available
• We have a written preapproval service for no fee
• We do not require escrow of taxes or insurance.
• Credit Concerns? We do not use credit scoring. Our credit standards
   are available to you upon request
• We do not sell loans. We are not bound by secondary market rules
• Neighbors Helping Neighbors program for first-time homebuyers in
   Fairfield County

LOAN CLOSING CONVENIENCE
We use many title companies to close our loans. Call for a current list of title companies.

LENDING AREA
We lend in Fairfield, Franklin, Licking, and Pickaway Counties.
HOME EQUITY LINES OF CREDIT
• No application fee
• No prepayment penalty
• 10 year draw period (Interest only)
• Additional 10 year repayment period
• $10,000 Minimum Loan Amount
• $50 Annual Participation Fee
• Free checks
• Fixed and Adjustable Rates
• See our rate sheet for competitive rates
Contact a Loan Officer Today!
MAIN OFFICE LOCATION
740-653-3863 / 800-650-0987
WEST FAIR LOCATION
740-653-1895
Susan Fernow
nmls id# 404890
Cathy Glenn
nmls id# 732450
Robin Ball
LOAN CLOSING (Main Office)
Robin Ball Loan Closing Officer at Fairfield Federal
Cathy Glenn Loan Officer at Fairfield Federal
Susan Fernow Loan Officer at Fairfield Federal
Julie Grefe Loan Officer at Fairfield Federal
Julie Grefe
nmls id# 493968
PICKERINGTON LOCATION
614-863-0333
Jennifer Rabb
nmls id# 1175629
Jennifer Rabb Loan Officer at Fairfield Federal
Kathy Boucher
nmls id# 1193395
Kathy Boucher
 
Lisa A. Berry
nmls id# 1430546
Lisa A. Berry
Bev Stratton
nmls id# 404888
Bev Loan Officer at Fairfield Federal
Brandee Cunningham
nmls id# 1485622
Cunningham Loan Officer at Fairfield Federal
Fairfield Federal Locations