Home Loans


Catherine Heffner

Manager of Lending and Promotions
NMLS# 1084090
cheffner@luxotticaretail.com
Direct: (513) 765-3822
Fax: (513) 492-3822

Jamie Tomlin

Loan Officer
NMLS# 1159252
jtomlin@luxotticaretail.com
Direct: (513) 765-3778
Fax: (513) 492-3778


10, 15 or 20-Year Fixed Mortgage for Refinance of Primary Residence

  • Refinance of primary residence only

  • Rate and Term loans as well as Cash Out refinance available

  • Currently not doing purchase transactions

  • Competitive fixed interest rates

  • Maximum loan-to-value (LTV) is 85%

  • Minimum loan amount is $25,000.00

  • Payroll deduction accepted from any employer

  • In house underwriting and approval

  • No Private Mortgage Insurance (PMI) required

  • Servicing retained by Members Trust FCU for length of the loan

  • Application and closing costs vary by state and county where the property is located, but generally average $800.00 to $1100.00


If you are interested in refinancing your first mortgage through Members Trust Federal Credit Union, please contact one of our Loan Officers.