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Mortgage Loan Programs


We understand that purchasing your home is one of the largest transactions you'll ever complete. That's why we believe you should know all the facts about the various types of mortgage products we offer. We can help you choose the loan that best suits your needs and show you how much your payments will be.

We promise you to always give you sound advice, competitive rates and terms that are easy to live with. Because that's what you have come to expect from Huntington.

Conventional Fixed Rate Loans

A 30-year fixed rate mortgage loan provides you with the security of a monthly principal and interest payment that never increases because the interest rate is locked in for the term of the loan. The only change could be an increase or decrease in the amounts collected for mortgage insurance, real estate taxes, or property insurance (escrow payments).

A 15-year fixed rate mortgage reduces the amount of interest paid over the life of the loan by accelerating the principal reduction. You can see for yourself which term is better for you -- just look at the Fixed Rate Mortgage Loan Comparison chart.

Adjustable Rate Mortgages (ARM)

Want the advantage of a low interest rate? If so, an adjustable rate mortgage may be the right choice for you. With an ARM, the interest rate changes at predetermined intervals based upon an index, which reflects the money market rate. The change in interest rate will also affect how much your adjustable rate payments will be.

The advantages of an ARM include:

  • Initially, the loan rate is normally lower than fixed rates.
  • If your interest rate increases, you can grow into your higher mortgage payment as your career advances and your salary rises
  • ARMs could be less expensive over a long period than a fixed rate mortgage.
  • If interest rates remain steady, you will continue to benefit from the lower initial rate and if rates drop, your monthly payments will decrease without refinancing.

To minimize interest rate increases, ARM loans offer the protection of Annual and Lifetime Caps

Jumbo Loans

Jumbo loan programs start at $417,000 and offer financing on amounts exceeding the "conforming" loan limits. Huntington offers a variety of competitive fixed rate and adjustable rate jumbo mortgage programs as well as jumbo construction/permanent loans. For more information, contact your Huntington mortgage specialist.


The Federal Housing Authority (FHA) and the Veterans Administration (VA) offer a wide range of mortgage loan options, including fixed-rate mortgages and ARMs. Insured or guaranteed by these government agencies, the loans feature low or no down payment terms, and may be assumable by future purchasers. VA loans are restricted to individuals qualified by military service or other entitlements, but FHA-insured loans are open to all qualified home purchasers. There are limits to the size of FHA/VA loans, but they're generous enough to handle moderately priced homes anywhere in the country. Learn more about FHA loans.

Construction / Permanent Loans

Our one time closing construction loan combines a loan for the construction of your home with the loan for its permanent financing. Funds are paid to your builder during the construction period as your home is built. Upon completion of the home, modification occurs to the permanent financing.

HeadStart Program

Huntington's loan pre-approval program, allows you to be credit and income approved (with no appraisal) so that you have the comfort of knowing you're approved for a certain loan amount. Upon pre-approval, a pre-approval certificate, which is contingent upon a satisfactory appraisal, executed purchase agreement and clear title, will be mailed to you. Once you decide on a property and an offer is accepted, you fax a copy of the purchase agreement and mail the application fee, if applicable, to Huntington Mortgage Group, who then orders the appraisal. You lock into an interest rate once the sales contract is fully executed.

The HeadStart program enables you to shop for a home in the right price range and provides you with the comfort of knowing that you are pre-approved. The pre-approval provides great bargaining power with sellers, since you're now considered a "cash" buyer!


You might be able to lower your monthly payments by refinancing your mortgage loan. Additionally, you may be able to obtain extra cash out of your primary home by refinancing it at a higher amount that what you currently owe. Know that loan-to-value ratios vary, and you'll be responsible for closing costs and other fees. That's why Huntington's First Mortgage Equity Loan is such a great deal. We make it easier and more affordable for you to refinance by eliminating the closing costs, mortgage insurance and application fees.

In an effort to make home mortgage refinancing easier for eligible homeowners, the Federal Housing Finance Agency recently made changes to the Home Affordable Refinance Program (HARP). HARP is designed to help homeowners who may not have been able to refinance in the past. You may qualify for HARP even if your home loan balance is higher than the present value of your home! Learn more about HARP.

Alternative Financing

For customers with unique needs, such as self-employment or credit that is less than perfect, we offer a variety of mortgage options and banking services, along with personal service from a knowledgeable team. Be sure to read Important Facts about Interest Only Mortgages* (PDF) before opting for an interest-only mortgage.

Consumer education

At Huntington, we think that the better informed you are, the more confident you'll be during the mortgage process. It's all about our desire to do the right thing for our valued customers. Learn more by visiting the pages below.

What type of mortgage is best for you?

How to prepare for your financing application

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