Mortgage Specials!

March 8, 2023

Getting a home loan with emery is as easy as 1.. 2.. 3..

1) Lock While You Shop

At Emery, we take the worry out of the raising mortgage rates.  With Emery’s rate lock, members have a 90 day rate lock* at no additional cost to them. Not sure you’ll be able to find your home in the 90 days? We offer the option to extend to 180 days for 1% of the final loan amount.

2) $999 Closing Cost Special

Save even more when you buy or refinance with our $999 mortgage closing cost special!**

3) $299 Rate Amendment

At Emery, we want to make sure that you have the best mortgage rate. Which is why we are offering a $299 rate amendment. If you notice rates are going down after your first 6 months, we will be able to do a rate reduction^ to re-amortize your loan to the current rate.

Call today to start your refinance or get preapproved before you shop!


Already have a home?

We know refinancing a mortgage can be time consuming, so it’s easy to say you’ll do it later. At Emery, we want to make sure you have every opportunity to save money. That’s why we wanted to tell you to act now if you want a lower interest rate or to get cash out.

Refinancing can save you money in interest, and it’s also an opportunity to use the equity in your home.

Taking advantage of your extra equity while you refinance can give you cash for renovations, debt consolidation or anything else you need. Home values are still high, so you likely have more equity in your home than you think.

If you’re not sure how much you could save in a refinance, use the refinance calculator below to see how much could be saving with a refinance with Emery.

Ready to buy a home?

Get preapproved to take advantage of this great offer!

In a competitive market, every minute counts. When you’re preapproved, you can send in your offer whenever you find the home you love. No waiting for your application to go through!

Emery offers mortgage options for everyone, whether you’re buying your first home or last home. With the savings you can earn from our mortgage closing cost offer, it’s a no brainer!

How much can I save by refinancing?

The calculator below can help you see how much you’d be able to save if you refinance your home.

What can I afford to buy?

If you have a monthly payment in mind, the calculator below can help determine how much you can offer for a house.

Ready to save?


*Emery Conventional Portfolio loans only. Owner occupied 1-4 family homes. Borrower must submit all income and asset documents and be preapproved through underwriting with no significant outstanding questions about income or assets in order to guarantee rate. Rate locked in for 90 days from application at no cost to the member. Up to an additional 90 days available for 1% of the final loan amount collected at closing. Limited time offer. 

**Offer subject to a first mortgage lien. Owner-occupancy required. No cash value. Offer void if transaction is rescinded. Excludes title insurance cost, prepaid interest & escrows, recording fee, transfer tax (if applicable). Also excludes any other fees not typical in Southwest Ohio real-estate transactions. Emery portfolio loans only. New money only. Limited time offer.

^Subject to market conditions and can be used at the member’s discretion in the event mortgage rates are lower than current rate. Emery Portfolio loans only. Qualifications to exercise certificate requires loan be current and in good standing. Offer valid after the first six scheduled payments have been made and pay the $299 administrative fee. You are under no obligation to use this certificate. Non-transferrable. No cash value. Offer limited to first mortgage lien only referenced as the subject property.

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