Mortgage Loans

Whether you’re purchasing your very first home or interested in refinancing your current one, Pathways has the product to make your home ownership goals a reality.

• Carry the same interest rate for the life of the loan – the most popular type of home loan
• Terms up to 30-years available
• Down payment requirements as little as 3%
• Predictable monthly payments
• Low, competitive interest rates

A great option for those who want a lower monthly payment initially but anticipate being able to afford higher payments in the future or those who plan to sell or refinance their home within the fixed period.

• Low, competitive interest rates
• Start with a fixed interest rate for a set period of time, then adjusting when interest rates change over the life of the loan
• Ask us about our popular 7/1 ARM!

• NO CLOSING COSTS to refinance under the Game Changer Mortgage*
• Lower your interest rate and potentially your monthly payment!
• Reduce the amount of time owed on your mortgage

*Minimum $35,000 financed, maximum 80% loan-to-value. Amounts over $250,000, rural homes or “unique” homes may have to pay appraisal fees. Not for purchase transactions. Primary residence only. Home may not be currently for sale. Property exclusions apply. No closing costs at the time of application. Existing Pathways loans: closing cost fee of $1,350 charged for all Pathways mortgage loans refinanced to a lower rate under Game Changer. Please Note: Pathways only offers home loans in Ohio and Kentucky.

Pathways offers FHA (Federal Housing Administration) and VA (Department of Veterans Affairs) loans.

• Low or no down payment options
• Flexible credit requirements