Mortgage Loans

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!