young couple moving into a new home
Ready to get started?

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.
  • Competitive rates
  • Fixed-rate and adjustable-rate home loans
  • Choice of multiple repayment periods
  • Save for your next home with an Ohio Homebuyer Plus Savings Account
  • Access to government-backed programs
  • Friendly, knowledgeable mortgage lending team
  • Use KEMBA's Home Loan Calculator to estimate what you'll pay each month

Mortgage Rates

Take a Closer Look

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

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-approved 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 $100
  • 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

simplify your process


Using the HomeAdvantage Home Buying Center is easy and straightforward. Simply use any agent in the HomeAdvantage network to buy or sell your home.
  • Earn Cash Rewards equal to 20%* of the agent’s commission.
  • The program is completely free to use.

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

Learn More About Mortgages

To learn more about Mortgages and Home Equity, please complete the fields below and a KEMBA Member Service representative will be in touch to help you get started.


Speak with a mortgage expert

Mortgage Application


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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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