Our competitive rates are subject to change on a daily basis. However, you can lock in a rate at the time of application. This means we will stand by the rate through a specified expiration date. Ask us for further details.

Closing costs vary based on a number of factors. We will quote an estimate of the out-of-pocket costs, prepaid expenses, application fees, title insurance, origination fees and discount points. These costs do not include the amount of down payment.

There is an application fee that is quoted as part of the out-of-pocket costs and is credited to you at closing.

Depending on the type of loan, processing time will vary. We offer a rapid approval on our conventional loans. We use local, experienced processors, underwriters and appraisal professionals to expedite the processing of your loan.

Our experienced Loan Originators are available to counsel you free of charge. You are always encouraged to seek legal representation at your own expense.

You will find your Loan Originator easily accessible via the phone and e-mail. Appointments are scheduled at your convenience. Weekend and evening hours are available.

Years of experience make our Loan Originators experts in suggesting a payment structure affordable to your own personal budget. They are highly trained with a broad based knowledge of mortgage products.

Fifth Third's intent is to service the majority of its loans and, therefore, maintain a long-term relationship with you.

A construction loan is a loan made to a builder or individual to facilitate construction of a dwelling. At Fifth Third, we make construction-permanent loans on a fixed or adjustable rate basis. To determine the plan best for you, we recommend that you talk to one of our loan officers.

Both loans are actually mortgage loans. The term "mortgage" applies to a loan on real estate. The primary difference in terms of lending is that the term "mortgage loan" most often is used in connection with an existing dwelling. A construction loan is made with the expectation that a dwelling will be built on a lot.