KEMBA Financial Credit Union

Mortgages

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Ready to get started?

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Only in May: Get a $500 closing cost credit*

when you apply for a first-mortgage and close within 90 days or get pre‑qualified and apply within 90 days!

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Traditional Mortgages & Refinances
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Adjustable Rate Mortgages
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Ohio Homebuyer Plus Savings
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VA Loans
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FHA Mortgage Loans










We love to open doors for our Central Ohio neighbors

When it comes to buying a home in Central Ohio, there's so much to consider. The neighborhood. The floor plan. The yard size. At KEMBA Financial Credit Union, we can help you with at least one of the big decisions - home financing. Our team is ready to explain all your mortgage options for purchases or refinances, and help identify one that's just right for you.

 

Mortgage Rates

Our Team

Invested in your dream home

Jeana Davis
Lisa Butcher
A headshot of Heidi Henderson, a Mortgage Loan Originator at KEMBA Financial Credit Union.
Heidi Henderson

Dawn N. Carpenter

















Take a Closer Look

KEMBA Financial Credit Union offers both traditional and adjustable rate mortgages to meet your needs.
fixed-rate

Traditional Mortgages & Refinances

There's a reason why fixed-rate mortgages have been popular for generations. Stable monthly payments make for easier long-term financial planning.
  • Choose loans of 10, 12, 15, 20 or 30 years
  • Get pre-qualified before house-hunting
  • Save money through refinancing

Adjustable Rate

Adjustable Rate Mortgages

Buying a house is expensive. But you can reduce your upfront costs with a loan that offers a lower rate for the first few years.
  • Choose lower rates for 3, 5 or 7 years
  • After that, rates are adjusted periodically
  • Loan caps limit overall rate increases

Exclusive Home Savings

Ohio Homebuyer Plus Savings

Saving for a new home is faster and easier than ever with above-market average interest rates! Whether it’s your first home, your dream digs, an upgrade to fit a growing family, or your empty nester sanctuary…we will help you make your home ownership dreams a reality.
  • High-rate savings available to existing and aspiring homebuyers
  • Minimum contribution $500
  • Use towards closing costs or a down payment within 5 years
Your first home

First-Time Homebuyer Guide

Working with KEMBA to finance your first home comes with many advantages that save you time and money. We'll help you understand the process so you can proceed confidently.
  • Know what to expect and what you'll need
  • Choose from various home loan options
  • Find a mortgage that fits your budget and lifestyle
special military benefit

VA Loans

A grateful nation salutes your service as a veteran. In appreciation, you have access to special mortgages that come with a number of financial benefits.
  • Lower rates
  • No down payments
  • No private mortgage insurance



No Down Payment

100% Financing Mortgage Loans

Finance the entire purchase price of your new home without making a down payment.
  • Available on 7/1 Adjustable Rate Mortgages
  • A faster path to a new home
  • No down payment savings necessary
government-backed loan

FHA Mortgage Loans

Saving up for a down payment can seem like an impossible mountain to climb. This popular federal loan program levels the playing field.
  • Down payments as low as 3.5%
  • More flexible credit standards
  • Gifts acceptable to help with upfront costs









Contact Us
Ready to discuss your options? Fill out this form and we'll be in touch with you soon.

 










Mortgage Application

Speak with a mortgage expert




At KEMBA Financial Credit Union, we provide trusted personal banking services in Central Ohio, as well as a full suite of personal banking products and services tailored to meet the financial needs of individuals and families. Our offerings include: low-rate credit cards with rewards, competitive-rate mortgages, home equity loans and refinancing options, low-interest auto loans in Central Ohio, personal and student loans, and financial wellness blogs and counseling services.

Discover why more Central Ohioans are searching for "best credit union near me" and choosing KEMBA.

To learn more, call us today at 614.235.2395, option 4, or visit one of our local branches in Pickerington, Gahanna, Bellefontaine, Clintonville, Grove City, Hamilton Quarter, Hilliard, Lewis Center, Powell, Reynoldsburg, Westerville or Whitehall. Our dedicated associates will help you navigate your individual financial situation and help you discover why KEMBA is a better way to bank.

Disclosures
*Get a $500 closing cost credit when you complete a mortgage pre‑qualification and apply for a first‑mortgage within 90 days or apply for a first mortgage during the promotional time period (May 1- May 31, 2026) and close within 90 days. The credit will be applied as a lender credit at closing, has no cash value, and cannot be combined with other closing cost offers. Eligible for new purchase loans only, refinances are not eligible. If the loan does not close, the closing credit has no value. Rates and terms subject to credit approval and may vary based on the following: credit rating, and and/or value of collateral, term of loan and borrower’s debt-to-income ratio. Rates and offers apply to owner-occupied, single-family home used as a primary residence. Closing costs and finances charges may vary. Additional restrictions may apply, and the offer may change without notice. Offer not valid in all states. Pre-qualifications are good for 90 days. Additional terms and conditions apply. Equal Housing Lender. Federally insured by NCUA. KEMBA membership required. NMLS 292230. Offer valid for pre‑qualifications dated May 1 – May 31, 2026.

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Get more perks as a KEMBA Advantage member.

Use KEMBA as your primary financial institution to enjoy rate bonuses on deposits and discounts on loans. Earn more, save more!
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