Good is finding the house you’ve always had your eye on. Good is walking in and seeing your dream kitchen, more storage than you’ve ever imagined, and enough bathrooms to handle Monday mornings without a fight.

Great is finding out that you can actually afford it.
Great is help choosing a mortgage that lets you sleep well in that new home. Great is fast processing and on-time closing.

At CME, we make finding the right mortgage, applying for it and processing it easy and painless.

• Personal service and advice from knowledgeable mortgage professionals
• Fast, easy application process, online or in person
• Pre-approvals so you know how much house you can afford before you go house shopping
• Refinancing of your existing mortgage

Real Estate Loans Brochure

Home Loan Payment Relief (HLPR)
HLPR is a mortgage product designed to assist qualifying borrowers with a home purchase by reducing closing costs and down payment requirements! This product was designed with unique features, enabling more borrowers to qualify.

The "Welcome Home" program provides grants to persons with incomes at or below 80% of the state housing finance agency Mortgage Revenue Bond Income limits. The program offers up to $5,000 toward down payments and closing costs on owner-occupied housing. Funds are distributed on a first-come, first-basis starting the first of every year. To learn more about the program visit www.fhlbcin.com.

HLPR is a three year, adjustable rate mortgage offered at 1% below the national average rate for a 3/1 ARM product. After the first three years, the rate will adjust annually based on the current index.

Other unique features include: a 1% maximum adjustment at each annual adjustment period, with a life time cap not to exceed 5% over the initial interest rate. HLPR is a great option for those who need it!

CME Bridge Loan
Want to buy a house, but need a little help with the down payment? A CME Bridge Loan can help. You use the equity in your current home to increase the down payment on your new home. It’s truly a bridge between your old home and your new life!

• No monthly payment: interest accrues, and the bridge loan is due upon the sale of the home
• Term is up to 6 months with the possibility of a one-time 3-month extension upon request
• Available when new home will be your primary residence, and is financed through CME

CME Fixed-Rate Mortgages
A fixed-rate mortgage is predictable. Your payments are always the same for the life of the loan, no matter what the markets may decide to do with interest rates.

• 15- and 30-year terms with low closing costs
• Down payment requirements as low as 5%
• FREE Home Depot Card with first mortgage

CME Adjustable-Rate Mortgages
Adjustable mortgages are for people who are always looking for a bargain. The rate starts out lower—often several percentage points lower—than a typical fixed-rate loan, so you can afford more house for the same payment.

But what really makes a CME adjustable-rate mortgage great is the extremely low “margin” on the loan. Margin is the amount used to determine your new rate at each adjustment period. That means your CME loan will be lower than other mortgage providers.

• 15-, 20-, 30-, 40-year terms
• 1/1 ARM, 3/1 ARM, 5/1 ARM, 7/1 ARM
• 15-, 30-year Semi-Annual ARM
• Down payment requirement as low as 3%
• FREE Home Depot Card with first mortgage

CME Closed-End Home Equity Loan
With a closed-end home equity loan, you get one lump sum to pay off high interest debt, finish that remodeling project, or even pay off your car. How you use the money is up to you. The great part is you can borrow the money for up to 15 years and pay less per month than with other equity loans or lines of credit.

• Fixed or Variable rate - your choice!
• 5-, 10-, 15-, 20-year terms
• Line of credit - use it as you need it
• No annual fee
• No prepayment penalty
• Minimal closing costs

CME Home Equity Line of Credit
A home equity line of credit may become your best friend. Even though it’s based on the equity you’ve built up in your home, you’re not restricted to using it on just your home! A HELOC can be used to finance a vacation, wedding, college, consolidate your debts…almost anything you can think of (yes, including home improvements).

With a HELOC, you borrow only what you need at any given time, and pay interest only on the amount you’ve drawn. When you make payments, you replenish your credit line. And since it’s a loan against your home, the interest you pay may be tax deductible (consult your tax advisor to be sure, though).

• Low interest rate—as low as 4.24% APR

Make your home great. Call us, visit any branch, or apply online for a CME mortgage or home equity line of credit today.

CME Construction Loan
Build your dream home from scratch. If you want your dream home built to your dream-like specifications, there's only one way to get it: have someone build that home from the ground up .....right down to the built-in bookshelves and custom kitchen.

With a CME construction loan, you get the money you need to have your home built the way you want.

• 31 year term (make interest only payments for one year)

Special discounts for CME Federal Credit Union members!

As a member of CME Federal Credit Union, you can save an additional 10% on our Plain Talk Home policies.

Sentry Insurance, founded in 1904, is one of the nation's leading insurance groups. Sentry's property and casualty insurance companies are rated A+ (Superior) by A.M. Best, the leading independent rating service of insurance companies.

For more information, or to get a rate quote, click HERE or contact your Sentry representative:

Carrie A. Layne - for Downtown, Clintonville and Pickerington
Carrie.Layne@sentry.com
614.948.2043
614.948.2318 fax
800.338.2487 claims

Joe Bindner Sr. - for Hilliard, Westerville
Joe.Bindner@sentry.com
614-238-0575
614-238-0575 fax