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General Electric Credit Union

Home Loans in Greater Cincinnati

Looking to get pre-approved for your new home? Interested in refinancing? 

Whether you're purchasing your first home or you're an experienced buyer, it's a big deal!

Apply Online Compare Rates
home loans in Cincinnati OH

We get it.

This can be a fun, but stressful time and you need to be confident about how you're going to finance, or refinance, your home. You can rely on us for not only great rates and added savings, but the advice and knowledge you need when it comes to buying, selling, or refinancing your home. 

Make this process even easier by getting pre-approved. 

Understand how much house you can afford and show realtors you're in serious buying-mode. As a pre-approved buyer, you can act fast when you find your perfect home. 

Ready to refinance your home? 

Many turn to us when they want to refinance their home to: lower their interest rate, change their term, or convert to a different type of mortgage (such as a fixed-rate). Easily apply online and find the best refinancing option for you.

We offer a variety of fixed- and adjustable-rate options:
  • Purchases and refinances
  • Jumbo loans with one: rate, term, and payment; no piggy-back loans
  • Constructions loans financed as one loan with one closing
  • Investment property loans
A mortgage loan with us includes: 
  • Experienced top mortgage lenders
  • No prepayment penalty or required escrow account
  • Rate reduction options (ask your loan officer for details)
  • Convenient payment options 
  • Easy online application
  • Painless account management through Online Banking


After selecting Apply Online, choose Easy App to start your application.

Apply Online

See how our rates compare.

Current Portfolio Mortgage Rates

rates_mortgage_portfolio table
10 - Year Fixed3.7500%3.9078%
10 - Year Fixed (70% Maximum loan to value)3.6250%3.7824%
15 - Year Fixed3.7500%3.8597%
3/1 ARM3.7500%5.0352%
5/1 ARM3.7500%4.8247%
7/1 ARM3.7500%4.8118%
10/1 ARM4.0000%4.7789%
15/1 ARM4.1250%4.5403%

Rate reduction options are available; ask your loan officer for more details!

Equity Rich Solutions

Choose from a fixed-rate, fixed-term loan or an open line of credit.

These unique solutions are great if you've built some equity in your home. You can refinance your remaining balance and access your equity at the same time. Learn more




APR = Annual Percentage Rate. There is a $750 origination fee for all first mortgage loans originated by GECU; all other closing costs will be waived. 

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