Mortgage Loans

Showing you a path to home.


  • 5-star Mortgage Loan Officers on
  • Local underwriting and processing of your loan
  • Fast approvals and closings
  • Local servicing of conventional mortgages
  • Low fees and competitive rates save you money

Account Descriptions

Account Type
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Additional Information
Conventional Fixed-Rate Mortgage
Purchasing a new home with a fixed interest rate for the life of the loan

fixed-rate mortgage head

Whether you’re purchasing your very first home or interested in refinancing your current one, Pathways has the product to make your home ownership goals a reality.

  • Carry the same interest rate for the life of the loan – the most popular type of home loan
  • Terms up to 30-years available
  • Down payment requirements as little as 3%
  • Predictable monthly payments
  • Low, competitive interest rates


Adjustable Rate Mortgage
Purchasing a new home with more flexibility in interest rate

A great option for those who want a lower monthly payment initially but anticipate being able to afford higher payments in the future or those who plan to sell or refinance their home within the fixed period.

  • Low, competitive interest rates
  • Start with a fixed interest rate for a set period of time, then adjusting when interest rates change over the life of the loan
  • Ask us about our popular 7/1 ARM!


The Game Changer Mortgage
Taking advantage of historically low interest rates while simultaneously paying off your loan sooner.

  • ONLY $299 Closing Costs to refinance under the Game Changer Mortgage*
  • 10-year to 15-year term options available!
  • Lower your interest rate and potentially your monthly payment!
  • Reduce the amount of time owed on your mortgage

*Minimum $35,000 financed, maximum 80% loan-to-value. Amounts over $250,000, rural homes or “unique” homes may have to pay appraisal fees. Not for purchase transactions. Primary residence only. Home may not be currently for sale. Property exclusions apply. $299 at the time of application. Existing Pathways loans: closing cost fee of $1,500 charged for all Pathways mortgage loans refinanced to a lower rate under Game Changer. Please Note: Pathways only offers home loans in Ohio and Kentucky.

FHA and VA Loans
Purchasing a new home when you may qualify for special government insured housing programs


Pathways offers FHA (Federal Housing Administration) and VA (Department of Veterans Affairs) loans.

  • Low or no down payment options
  • Flexible credit requirements


Please Note: Pathways only offers home loans in Ohio and Kentucky.

Contact Our Mortgage Lending Team Today!