Fifth Third Bank


Will the rates that you quote me today be the same tomorrow?

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.

How much will it cost me to close the loan?

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.

How much is my application fee and is it an additional expense?

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

How long will it take to process my loan?

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.

Do you provide loan counseling?

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

When are Loan Originators available and how easily can they be reached?

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.

What is the experience level of your Loan Originators?

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.

Will my loan be sold to another company?

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

What is a construction loan?

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.

How does a construction loan differ from a mortgage loan?

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.

Download Our Residential Home Buying Guide (PDF)

Click Here for the New York Fee Schedule (PDF)

If you would like additional information, please contact a Fifth Third Mortgage Loan Specialist toll free at 1-866-351-5353 or visit a Fifth Third Banking Center near you.

Financial Calculators

Financial Calculators

Financial calculators to help you plan & budget.

Home Value Estimator

Home Value Estimator

Get a free home value estimate instantly and securely.

The Nationwide Mortgage Licensing System and Registry offers NMLS Consumer AccessSM, which is a free service for consumers to confirm that the bank or mortgage company and the mortgage professional with whom they wish to conduct business are registered with the federal system or licensed, if required, in the state in which they conduct business. To access this free service please go to View a listing of Fifth Third Mortgage Loan Originators and their National Mortgage Licensing System (NMLS) unique IDs.