Home Mortgage Loans

Home Mortgage Loans

Whether you've got one foot out the door of your old house, or dream of renovations that will transform your old home into an Eden worthy of magazine spreads, Sutton Bank is here to help. We live and work where you do, so we have all the answers specific to home loans in North Central Ohio.

Due to the length of time, monthly payments are affordable. And with a fixed rate your payments remain low-risk and predictable. Find competitively low rates for home purchase, refinance, or construction. Available for primary residence, second homes, vacation homes, or investment properties.


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Home Mortgage Loans
  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Fixed rate mortgages
  • Adjustable rate mortgages (ARMs)
  • Construction Loans
  • Helpful lending experts with in-depth knowledge of North Central Ohio real estate
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Repayment terms tailored to fit your needs
  • Local decision-making and processing
  • Attentive, friendly service from start to finish
Financing Options

15, 20, & 30-Year Fixed-Rate Loans

A fixed-rate mortgage offers a straightforward, predictable monthly payment. With fixed-rate mortgages, your interest rate--and your total monthly payment of principal and interest will stay the same for the entire term of the loan. That predictability makes it easier to set your budget.

What Will My Mortgage Payment Be?

Here are some handy sample scenarios to give you an idea of how the process works once you plug in the numbers.

  • For a 15-year loan on a $100,000 mortgage
  • With a rate of 4.375% (APR 4.523%)
  • A 20% down payment ($25,000)
  • On purchase price of $125,000 with no points
  • You would have a monthly payment of $758.63 (principal & interest).*

  • For a 20-year loan on a $100,000 mortgage
  • With a rate of 4.875% (APR 4.993%)
  • A 20% down payment ($25,000)
  • On the purchase price of $125,000 with no points
  • You would have a monthly payment of $653.08 (principal & interest).*

  • For a 30-year loan on a $100,000 mortgage
  • With a rate of 5.00% (APR 5.088%)
  • And a 20% down payment ($25,000)
  • On purchase price of $125,000 with no points
  • You would have a monthly payment of $536.83 (including principal & interest).*

*Stated rates and terms intended as examples only.

Call (800) 422-3641 or contact us for the most current rates and terms.

Construction Loans

Can't find your dream home? Looking for something more practical than the market seems to offer? Sutton Bank will help you build it.

We get the process in motion so you'll only pay interest on the loan during construction. Upon completion, convert your construction note into permanent financing with your choice of fixed or variable rates.


  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Payments are interest-only during construction phase