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Effective URL: https://www.53.com/content/fifth-third/en/personal-banking/borrowing-basics/mortgage.html
Submission: On June 25 via manual from US — Scanned from DE
Effective URL: https://www.53.com/content/fifth-third/en/personal-banking/borrowing-basics/mortgage.html
Submission: On June 25 via manual from US — Scanned from DE
Form analysis
4 forms found in the DOMName: login-form — POST
<form rob-login-form="" onsubmit="remoteLogon.logonToRob(event); return false;" method="POST" class="form" name="login-form">
<div class="m-t">
<label class="form-label form__label" for="user-id"> User ID </label>
<div username-cell="" class="dynamic-state" data-valid="true">
<div class="input-group">
<input username-input="" autofocus="autofocus" class="form-input input-group__input full dynamic-state__input" name="user-id" id="user-id" type="text" autocomplete="off">
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<div id="user-id-error"></div>
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<div class="m-t">
<label class="form-label form__label" for="password"> Password </label>
<div password-cell="" class="dynamic-state" data-valid="true">
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<div id="password-error"></div>
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</div>
<div class="m-t">
<button login-button="" type="submit" class="button -default -primary form__btn -full"> Log In <span class="loading--1">.</span>
<span class="loading--2">.</span>
<span class="loading--3">.</span>
</button>
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<a id="forgot-login" href="https://onlinebanking.53.com/olb/#/forgotLogin?app=web" class="anchor">Forgot Login</a>?
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<div class="m-t--sm "> First Time User? <a id="register-user" href="https://onlinebanking.53.com/olb/#/newUser" class="anchor" aria-label="Register new user">Register</a>. </div>
</div>
</form>
Name: search —
<form class="c-search__form" role="search" name="search">
<div id="c-search__form-container">
<table cellspacing="0" cellpadding="0" style="width: 100%;" class="gsc-search-box">
<tbody>
<tr>
<td class="gsc-input">
<label for="header-search-input" class="c-search__label sr-only">Search 53.com</label>
<input type="search" size="10" id="header-search-input" placeholder="Search 53.com, e.g., Checking" class="c-search__input" autocomplete="off">
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<div class="gsc-clear-button" title="clear results"> </div>
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<td>
<p class="c-search__error" id="error" role="alert"></p>
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</form>
POST
<form id="mortgagerates" method="post" action="" novalidate="novalidate">
<div class="row">
<div class="c-field ">
<label for="loanPurpose" class="c-field__label">Loan Purpose<abbr title="This field is mandatory" aria-label="required" class="important">*</abbr></label>
<div class="c-form__dropdown">
<select class="c-form__select step" required="" name="loanPurpose" id="loanPurpose">
<option value="">Select a loan purpose</option>
<option value="Purchase">Purchase a home</option>
<option value="Rate/TermRefinance">Refinance a home</option>
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</div>
<div class="c-field">
<label for="zipCode" required="" class="c-field__label">Zip Code<abbr title="This field is mandatory" aria-label="required" class="important">*</abbr></label>
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<div class="c-field c-field--county">
<label for="loanCounty" class="c-field__label">Select Your County<abbr title="This field is mandatory" aria-label="required" class="important">*</abbr></label>
<div id="countySelect" class="c-form__dropdown">
<select class="c-form__select" required="" name="loanCounty" id="loanCounty">
<option value="">Select your county</option>
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<input type="hidden" name="points" id="points" value="n">
<div class="c-field c-field--multiple">
<label for="loanProducts" class="c-field__label">Loan Type<abbr title="This field is mandatory" aria-label="required" class="important">*</abbr></label>
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<select class="c-form__select step multi jqmsLoaded ms-list-1" name="productSelected" id="loanProducts" aria-label="select up to 2 loan types" multiple="multiple" required="" style="display: none;">
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<div id="ms-list-1" class="ms-options-wrap"><button type="button"><span>select up to 2 loan types</span></button>
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<form id="branch-locator-form">
<label for="searchInputField" class="phlabel">Enter Zip Code or City/State</label>
<input class="c-form__input c-footer__input u-focus--blue" id="searchInputField" type="search" placeholder="Zip Code or City, State"><button class="c-btn c-btn--primary " type="submit">FIND</button>
</form>
Text Content
* * Log In Online Banking Commercial Banking Go To Login Scheduled Maintenance Currently, Fifth Third Bank is improving your Online Banking site with scheduled maintenance to better serve you. We apologize for any inconvenience. Please try again later. User ID Password Log In . . . Forgot Login? First Time User? Register. 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Banking Made Simple * Fifth Third Momentum® Banking * Fifth Third Preferred Banking * Banking Programs * Fifth Third Express Banking® * Products * Checking Accounts * Credit Cards * Debit Cards * Identity Theft Protection * MyAdvance® * Savings Accounts & CDs * Services * Foreign Currency Exchange * Online and Mobile Banking * Order Checks * Overdraft Solutions * Borrow * Borrowing Made Simple * Home Loan Center * Products * Auto Financing * Equity Lines & Loans * Mortgages * Personal Loans & Lines of Credit * Services * Down Payment Assistance Resources * Escrow Education * Mortgage Payment Assistance * Insure * Life & Health * Disability Income Insurance * Long Term Care Insurance * Term Life Insurance * Universal Life Insurance * Variable Life Insurance * Whole Life Insurance * Invest * Disclosures * Disclosures * Products * Annuities * Exchange Traded Funds (ETF) * Mutual Funds * Stocks & Bonds * Services * Business Retirement * Individual Retirement * Our Life360 Process * 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Apply Online Get in Touch * Call 866-351-5353 * Let Us Contact You * Find a Specialist Near You DON'T LET INTEREST RATES HOLD YOU BACK. See how our Rate Drop Protector program can give you peace of mind on your next purchase. Learn How → ON THE HUNT FOR A NEW HOME OR LOOKING TO REFINANCE? CHECK OUT OUR CURRENT RATES.* (as of Tue Jun 25 2024) Loan Purpose* Select a loan purpose Purchase a home Refinance a home Zip Code* Select Your County* Select your county Loan Type* select up to 2 loan types We’re gathering those rates. This should only take a moment… Sorry, online rates aren’t available right now. It looks like rates aren't available at this time for the ZIP code you entered. Please give us a call at 866-351-5353 for more information about available loans and services. Sorry, we couldn't process your rates inquiry. It looks like there was an error processing your request. If you'd like, fill out this form and one of our specialists will give you a call. REFINANCE YOUR HOME Interest Rate APR Points PURCHASE A HOME Interest Rate APR Points Down Payment CASH OUT REFINANCE A HOME Interest Rate APR Points BROWSE OUR MORTGAGE OPTIONS Whether you need to refinance your current loan, are looking to buy your first home or want to acquire an investment property, Fifth Third provides a variety of mortgage solutions to fit your financial goals. TRADITIONAL LOANS Get Started Fixed Rate Mortgage * A payment that will never change with terms between 10-30 years * Credit score as low as 620 and as low as 3% down See Details Adjustable Rate Mortgage (ARMs) * Want more flexibility when buying a home? Get a set rate mortgage for a defined period of time and could adjust later1 * Multiple ARMs available including 5,7,10 and 15 year options See Details Jumbo Loan * Features both fixed and adjustable rates for loans between $762,201-$3,000,000 See Details FHA Loan * Terms between 10-30 years with the option to put less cash down on your home * Credit score as low as 600 and as low as 3.5% down payment * Ideal for first-time homebuyers See Details AFFORDABLE LENDING Get Started Home Possible® and HomeReady® Loan * Specifically designed to help those with limited funds achieve the goal of homeownership * Flexible sources for down payment * Reduced mortgage insurance premiums See Details Fifth Third Community Mortgage Loan * Our newest affordable mortgage option designed to open the door to homeownership for more individuals2 * Ask about our down payment assistance program; up to $3,600 toward your down payment or closing costs depending on the loan type you choose3 * Great option for those with limited money available for a down payment and closing fees Refi Possible® and RefiNowTM Loans * Program designed specifically for borrowers with a higher-than-average debt-to-income ratio with special incentives to get you qualified SPECIALIZED LOANS Get Started Construction Loan * New home? No problem. This program is specifically designed to help finance your custom new build * Convenient one-time closing to include the cost of construction and lot acquisition See Details Physician Loan * Designed with residents, fellows and new or established physicians, dentists, veterinarians and optometrists in mind * Finance up to $1,000,000 with no down payment required4 See Details Veterans Loan * To our valued service men and service women: Learn more about our beneficial home-buying options * Commissioned officers of the Public Health Service or the National Oceanic and Atmospheric Administration may also be eligible See Details Veterans Interest Rate Reduction Refinance Loan (IRRRL) * Hassle-free payment-savings loan, exclusively for customers with a current VA loan * Features limited documentation and a streamlined process See Details Additional home refinance options are available. To learn more click here. Apply Online Get in Touch * Call 866-351-5353 * Let Us Contact You * Find a Specialist Near You FIFTH THIRD'S RATE DROP PROTECTOR PROGRAM You don’t have to wait on your next purchase or refinance! Fifth Third’s Rate Drop Protection Program can help make a future refinance even more affordable. We’ll waive our lender closing costs on your next refinance if rates drop—that’s a savings of $1,295! Don’t delay! Get started now or contact us at 866-351-5353 to learn how buying today with Fifth Third’s Rate Drop Protector Program helps you to ensure your future refinance. -------------------------------------------------------------------------------- ELIGIBILITY: * Exclusive offer available in all states for purchase and refinance applications * Available on conventional and FHA/VA products** * Subsequent refinance application must be made between 6-24 months from the original loan closing date * Cannot be combined with any other Fifth Third fee waiver programs NEED A MORTGAGE CALCULATOR? WE CAN HELP. HOW MUCH WILL MY PAYMENTS BE? Calculate your monthly mortgage payment for a given purchase price, down payment, interest rate, and loan term WHAT HOME CAN I AFFORD? Determine your maximum home price and mortgage loan amount. SHOULD I REFINANCE? Find out if refinancing is a good option for you. ADDITIONAL RESOURCES HOW TO BECOME AN ATTRACTIVE LOAN CANDIDATE Consider these factors in your financial life so you can strengthen your case as an attractive loan candidate. GET TO KNOW THE TERMS YOU MAY HEAR DURING THE HOME-BUYING PROCESS Learn about terms used in mortgage loans with our mortgage glossary & get answers to mortgage frequently asked questions in our FAQ section! FIRST TIME HOME BUYER GUIDE Thinking about Buying your first home? Fifth Third Bank offers you tips that take you through the entire process. Download our first time home buyer guide here! NOTICES & DISCLOSURES * Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. Rates are accurate at the time the rate search is performed or when rates are requested. While actual loan terms may be different as prepaid finance charges and closing costs vary by location, the APR listed are based on a conforming loan type and the following assumptions: 30-YR Fixed and 15-YR Fixed * Based on a minimum FICO score of 780 * Loan amount of $200,000 * Single family, primary residence valued at $250,000 * A 45-day rate lock-in period * Bill Payer Credit Mortgage rates can change throughout the day, are updated daily and are based on a variety of assumptions and conditions which include a consumer credit score which may be higher or lower than your individual credit score. Your loan’s interest rate will depend on the specific characteristics of your loan transaction and your credit profile up to the time of closing. Bill Payer Credit: You may receive one-quarter (.25) discount point if you participate in our automatic payment program which can be used to lower your interest rate. This discount will be shown at the time of your loan application and will be applied at closing based on final mortgage amount. Terms and conditions are subject to change. Additional discounts may be available for eligible customers. Ask a Fifth Third representative for details and eligibility requirements. 1. After the initial fixed term of the ARM period, it is possible that the borrower’s payment may increase substantially over the remaining term of the loan. 2. To be eligible for the Fifth Third Community Mortgage, the property must be a one-unit, primary residence, in one of the following eligible states: FL, GA, IL, IN, NC, OH, SC, TN, WV, KY, MI and the borrower's gross annual qualifying income is at or below 80% area median income (AMI). Available for 30-year fixed mortgage only. Adjustable Rate Mortgages (ARMs) are ineligible. 97% Loan to Value (LTV)/105% Combined Loan to Value (CLTV). Maximum Loan Amount of $250,000. Homebuyer education is required by at least one qualifying borrower. Borrower must contribute at least $500 of own funds. Fifth Third Community Mortgage includes a .25% origination fee (of loan amount) and application fee. Manual underwrite only. 3. You may be eligible for the down payment assistance if you qualify based upon income level and by purchasing a property to be used as your primary residence in a low or moderate income census tract. Down payment assistance up to $3,600 is available. The subject property must be in one of the following eligible states: MI, IN, IL, KY, TN, OH, WV, NC, GA, FL, SC and located in a low or moderate Income Census Tract and borrower must meet the low to moderate income limit threshold based on the qualifying income per FFIEC website. Down payment assistance may not be available if Fifth Third Bank reaches its target allotment distribution of Down Payment Assistance for the respective plan year in which you apply for a mortgage. Down payment assistance may be taxable as income and reported to the IRS. Consult your tax advisor. Not available with all loan products. 4. Terms and conditions apply. The Doctor and Dentist Loan Program is restricted to primary, owner-occupied residences only. Investment properties, second homes, construction-to-perm and lot loans are ineligible. If the borrower can document that the student loan payment is deferred or in forbearance for at least 12 months after closing, the student loan payment can be excluded from the debt-to-income calculation. 5. If mortgage rates decrease and you qualify for a Conventional, FHA or VA refinance loan with Fifth Third, we will waive your lender closing (Application fee, Underwriting fee, Processing Fee, Origination Fee) costs up to $1295. Discounts may be lower in some case where other concessions or discounts have already been applied. Applicants will be responsible for paying an up-front application fee which will be credited back to the consumer only if the loan closes and funds. ** The eligible loan being refinanced must have been made on a 15, 20, or 30 year fixed conventional loan, a FHA 203(b) or 203K loan, or a 30 year VA loan (eligible products). Offer not valid on portfolio products, non-agency jumbo, or ARM products. The subsequent refinance loan must have an application date between 6 months and 24 months from the original loan closing date. This Rate Drop Protector offer is not a commitment to lend or lock a rate. This offer is only eligible for loans where the eligible application and subsequent refinance transaction are both originated by a Fifth Third Mortgage Loan Officer with one of the eligible products listed above. This offer is not transferable and cannot be redeemed for cash or credit. Customer is responsible for retaining this offer certificate and making their Mortgage Loan Originator aware of their eligibility at the time of the subsequent refinance loan application. This offer is subject to change or cancellation at any time at the sole discretion of Fifth Third Bank. Home Possible® is a registered service of Freddie Mac. HomeReady® is a registered service mark of Federal National Mortgage Association DBA Fannie Mae. Loans are subject to credit review and approval. Fifth Third Bank, National Association, 38 Fountain Square Plaza, Cincinnati, OH 45263, NMLS# 403245, Equal Housing Lender. Fifth Third and Fifth Third Bank are registered service marks of Fifth Third Bancorp. The Nationwide Mortgage Licensing System and Registry offers NMLS Consumer AccessSM, which is a free service for consumers to confirm that the bank or mortgage company and the mortgage professional with whom they wish to conduct business are registered with the federal system or licensed, if required, in the state in which they conduct business. To access this free service please go to NMLSConsumerAccess.org. View a listing of Fifth Third Bank Mortgage Loan Originators and their National Mortgage Licensing System (NMLS) unique IDs. Fifth Third Bank, National Association, NMLS# 403245 CONTACT US 1-866-351-5353 Speak to a mortgage loan specialist about our products and services. BRANCH & ATM LOCATOR Branch ATMs Enter Zip Code or City/State FIND * About Us * Customer Service * Careers * Investor Relations * Media Center * Privacy & Security * Site Map CONNECT WITH US: * Facebook * Twitter * Instagram * LinkedIn * YouTube * TikTok Copyright © 2024 Fifth Third Bank, National Association. All Rights Reserved. Member FDIC. Equal Housing Lender. LEAVING 53.COM × You are leaving a Fifth Third website and will be going to a website operated by a third party which is not affiliated with Fifth Third Bank. That site has a privacy policy and security practices that are different from that of the Fifth Third website. Fifth Third and its affiliates are not responsible for the content on third parties. Cancel Continue