Benefits
- 5-star Mortgage Loan Officers on Zillow.com
- 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
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
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!
- 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.
Protection from Energy Taxes: 2022 has seen federal governments charge high taxes on energy consumption. Avoid penalties in the future by creating your own energy!
Fighting Emissions: Solar energy is about more than saving money. Going solar can reduce your home’s carbon footprint by 80% in the hope of creating a greener future!
Grid Independence: Using onsite batteries, solar-powered homes store energy that can be used in case of an outage on the grid.
Everyday Energy Savings: With inflation rising, cutting energy costs makes a large impact on families. Save hundreds on your initial energy bills!
Increased Home Value: Home values increase by over 4% on average after solar installation, nearly a $10,000 value for the median U.S. home.
Tax Incentives and Programs: In 2022, households that install solar panels will earn a 26% federal tax credit and become eligible to earn money through Ohio’s net metering program!
Please Note: Pathways only offers home loans in Ohio and Kentucky.
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Laura Gates
Mortgage Loan Officer (Central Ohio) - NMLS# 587097740-363-4646 ext. 1345 -
Vicki L. Smith
Mortgage Loan Officer (Southern Ohio & Kentucky) - NMLS# 695735(937) 795-3589 ext. 2207