Mortgages
Our local homebuying experts know it’s not just about getting a loan – it’s about building the life you want. Let us help you finance your dream.
Mortgages
Our local homebuying experts know it’s not just about getting a loan – it’s about building the life you want. Let us help you finance your dream.
Today’s Featured Rates on Conventional Loans
Your Homebuying Journey Starts Here
Contact a Lender">Minster Bank was a light during my (stressful) first-time land purchase. Despite being a smaller bank in size only, the service they provided was the highest I could wish for. – Joe S.
Conventional Fixed-Rate Mortgage
A smart choice for homebuyers who are planning to put down roots in our community:
- Lock in a competitive interest rate
- Consistent monthly mortgage payments
- Designed for easy household budgeting
Explore Your Options
We offer a full array of home loan solutions for every budget and lifestyle.
Explore Your Options
We offer a full array of home loan solutions for every budget and lifestyle.
A smart choice for homebuyers who are planning to put down roots in our community:
- Lock in a competitive interest rate
- Consistent monthly mortgage payments
- Designed for easy household budgeting
A flexible borrowing option for homebuyers who plan to move or upsize in the short term:
- Save money upfront with a lower initial interest rate
- Adjustable rates are capped
This Freddie Mac offering removes some of the traditional barriers to homeownership:
- Down payments as low as 3%
- Many types of down payment sources are allowed
- Current homeowners may qualify
Planning to build your dream home from the ground up? We’ll help you get started:
- Enables you to buy vacant land
- A variety of terms to suit your needs
- Can be combined with construction and permanent financing
We can help you leverage your current assets to expand your real estate portfolio:
- Fixed- and adjustable-rate options available
- A variety of income-producing properties are eligible
- Great for refinancing too
FHLB Affordable Rate Program
Through the Federal Home Loan Bank of Cincinnati’s Affordable Rate Program (ARP), eligible homebuyers may qualify for mortgage rates up to 2% below market rates, helping make homeownership more affordable for low- and moderate-income families.
The program is designed for income-eligible borrowers purchasing or refinancing a primary residence, and supports the mission of expanding access to affordable housing opportunities throughout our communities.
For more details on the Affordable Rate Program (ARP), click here.
Contact a Lender
FHLB Affordable Rate Program
Through the Federal Home Loan Bank of Cincinnati’s Affordable Rate Program (ARP), eligible homebuyers may qualify for mortgage rates up to 2% below market rates, helping make homeownership more affordable for low- and moderate-income families.
The program is designed for income-eligible borrowers purchasing or refinancing a primary residence, and supports the mission of expanding access to affordable housing opportunities throughout our communities.
For more details on the Affordable Rate Program (ARP), click here.
Build with Confidence
Building a home should feel exciting, not uncertain. Our Construction Loan Program offers added flexibility, rate protection, and peace of mind from blueprint to move-in day.
- Low closing costs
- Rate Guarantee Program available
- Flexible term options
- Local lending decisions and personal guidance
Connect with a Lender
Build with Confidence
Building a home should feel exciting, not uncertain. Our Construction Loan Program offers added flexibility, rate protection, and peace of mind from blueprint to move-in day.
- Low closing costs
- Rate Guarantee Program available
- Flexible term options
- Local lending decisions and personal guidance
How Much House Can You Afford?
Crunch the numbers with our handy borrowing and budgeting calculators.
Try It OutUnderstanding Mortgage Rates & APR
When comparing mortgage options, it’s easy to focus on the interest rate. While the interest rate is important, it doesn’t tell the whole story.
Interest Rate: The percentage charged by the lender to borrow money. It helps determine your monthly principal and interest payment, which varies based on the amount you borrow and the term of the loan.
APR (Annual Percentage Rate): A broader measure of a loan cost that includes the interest rate plus certain loan-related fees and charges.
Here’s why that matters:
- Loan A may have a 6.00% interest rate and a 6.50% APR.
- Loan B may have a 6.00% interest rate and a 6.25% APR.
Even though both loans have the same interest rate, the lower APR may indicate lower loan-related costs.
That’s why it’s important to compare more than just the rate. Looking at both the interest rate and APR can help you better understand the overall cost of a mortgage and make a more informed decision.
Questions about rates, APR, or closing costs? Our local mortgage lenders are here to help.
First-Time Homebuyers
Get The Ultimate Homebuyers Guide
Everything you need to know before you buy your first home.
First-Time Homebuyers
Get The Ultimate Homebuyers Guide
Everything you need to know before you buy your first home.
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Disclosures
1. Minster Bank is licensed through the Nationwide Multistate Licensing System & Registry, with NMLS ID #403381.
Loan subject to credit approval.
Advertised rates are subject to change without notice.
