Mortgage Questions 

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.

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.

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.

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.

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

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.

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.

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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.