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When you’re trying to reach a major milestone, sometimes you need a little help. That’s what Ohio State Bank is here to do. If you need a loan to buy or renovate your dream home or a credit card to take the trip of a lifetime, just call on us. Real Estate LoansA home is usually the most expensive purchase most people make. It can also be the most confusing. Our home loan experts will help you understand your choices so you can find a mortgage that’s manageable. Whether you’re looking to buy, refinance, or access existing equity, we’ll advise you on conventional, jumbo, fixed-rate, and adjustable-rate home loans that work with your budget and timeline. And because, like you, we’re local to the Columbus area, we understand this real estate market and process approvals quickly. All the better to help you find and finance your next possibility. Fixed-Rate MortgagesIf you think your new home is likely to be your forever home, a long-term fixed-rate mortgage may be the best option for you. With these loans, your interest rate, principal, and interest payments remain the same for the duration of the loan so you always know what your costs will be. Adjustable-Rate MortgagesAn adjustable-rate mortgage works well for people who want to keep their closing costs down and moving options open. Because the interest rate is not locked in, as with a fixed-rate mortgage, you incur lower costs upfront and tie up less of your funds. Ohio State Bank offers adjustable-rate mortgages for purchases, refinances, or remodels. We’ll happily walk you through current rates and design a loan that’s ideal for your current needs and future plans. Home-Equity LoansWe know that owning a home is a big investment, both of time and money. It’s also an investment in the strength and stability of our community. So when you want to tap into your home equity, Ohio State Bank believes in investing in you. Our home-equity loans come with reasonable rates that enable you to remodel or repair your home, pay off credit cards, or finance other projects and realize even more possibilities. All loans are subject to credit approval. Ohio State Bank is an Equal Housing Lender. |