Now we turn to find the best home loans in Ohio in our continued look at the best home mortgage rates nationally here at Peak Personal Finance.

For this look, we are assuming a credit score of 700+ (FICO), a down payment in cash or equity of up to 20%, cash on hand for fees, a loan commensurate with local average values, and that the home will be the buyer’s primary residence. Your situation may vary from this somewhat.

30 Year Fixed Best Home Mortgage Rates in Ohio
Third Federal Savings and Loan has a 4.35% interest (4.615% APR) offer with 2 points, $1,750 in fees, and a 60-day lock in period. To reduce those points to zero requires a 4.85% interest (4.943% APR).

Quicken Loans offers a 4.99% interest (5.245% APR) with 1.875 in points and $1,600 in fees on a 45-day lock in. Dropping those points to zero requires a 5.375% interest (5.476% APR) and higher fees.

Ditech has a 5.25% interest (5.45% APR) offer with 1.8 points and $700 fees on a 60-day lock in.

15 Year Fixed Best Mortgage Rates in Ohio
Third Federal Savings and Loan offers a 3.75% interest (4.209% APR) for this term with 2 points and $1,750 in fees on a 60-day lock in. Reducing those points to zero raises the rate to 4.25% (4.409% APR).

Quicken Loans offers a 4.25% interest rate (4.662% APR) with 1.75 in points and $1,600 in fees on a 45-day lock in. Reducing those points to 0 ups the rate to 4.625% (4.839% APR) with higher fees.

All banks listed are equal housing opportunity lenders. These rates may not apply to your situation. Be sure to speak with a financial adviser before making a decision on a new home purchase.