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Real Estate Loans

Mortgages Loans

Home Equity Loans

If you want to secure a fixed rate loan to make home improvements, pay for college tuition or consolidate debt, our Home Equity Loan might be right for you. You can tap into your home’s equity with a rate as low as 3.75% (for a 60-month term) APR* and we offer terms up to 10 years. To learn more about our competitive rates and terms, or to get your application started, call us at 1-800-360-6362.

Home Equity Line of Credit

For members who prefer an open credit line, we offer HELOC loans starting as low as 3.75%. All rates and terms are based on credit worthiness and loan-to-value. Call us at 1-800-360-6362 to get started.

First Mortgages -Purchases & Refinances

We don't offer Mortgages! We offer Solutions.

Whether you are buying your first home or refinancing, On The Grid Financial wants to save you time, save you money and reduce an often stressful process.

We've partnered with SWBC Mortgage to provide home loans with competitive rates and terms, the personal service you've come to expect from your credit union and the convenience of taking care of business from your home or office (not ours).

Call Jamie Morrison, Financial Institution Loan Officer, and get started today. Jamie is available weekdays from 8:00 a.m. to 5:00 p.m. Eastern Time by calling 859-455-7373.

Jamie Morrison
Financial Institution Loan Officer
SWBC Mortgage Corporation
NMLS# 6298

Would you like to start an application or do a little more research about the types of mortgages available? You can do both here.

We are also pleased to announce a special mortgage lending program through SWBC Mortgage called HomePlus. HomePlus is available to any credit union member who is buying or selling their home. HomePlus offers a one stop shopping experience with a team of qualified Realtors and Mortgage Lending Professionals.

On The Grid Financial NMLS#787630

* APR=Annual Percentage Rate. Loan is subject to approval based on creditworthiness, collateral value and condition. Maximum allowable loan-to-value ratio is 80%. Minimum loan amount is $5,000. Rates effective as of January 4, 2016. Must maintain adequate insurance. Closing costs will range from $142 to $611. Membership eligibility required. A $10 Membership Account is required.