Get the best mortgage loan from Dale Winters, a local Dayton, Ohio loan officer with Fifth Third.

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Buying a new home in Dayton, Springboro, Centerville, Miamisburg, Moraine, Kettering, West Carrollton, Oakwood, Franklin or Germantown is a source of anxiety, frustration -- and a huge sense of accomplishment. Trust me, a local Dayton area professional, to find the mortgage loan that best fits your needs. Getting the right mortgage loan is like getting the keys to your new house! I will help you get there.

Refinancing your current mortgage has never been easier with Dale at Fifth Third. Did you get locked into an adjustable rate mortgage and need to get out? Refinancing is a great way to save money by reducing your interest rate or taking out cash to pay high interest credit cards. Debt consolidation is not the only reason to refinance. I can help make sure you are making the right decisions.

Refinance Hotline 937-297-5306

Tapping into your home equity is easier than ever before. Kids going to college? Want to finance a construction addition? Want a deposit on a rental or vacation home? There are numerous reasons to pull equity from your home and I'll help with the best program to fit your goals.

Unique Loan Programs give you the power to borrow in almost any situation. Some of the many programs I offer are:

I will give you the personal local attention you deserve and treat you with the respect due a valued customer. I understand you're making a commitment in buying a new home, refinancing a mortgage, or cashing out your home equity. So I make a commitment to you. I will help you qualify, apply and be approved for the right mortgage loan for you. Not anyone else!

*All loan programs subject to change without notice. Not all borrowers qualify for all programs, must meet underwriting guidelines and are subject to credit review and approval. This does not constitute a commitment to lend.5/3 Dale Winters can help with Low Interest rate loans. Bad Credit is OK and can help get a Low Rate. If you want a Mortgage or a Home Loan you are in the right spot. Wachovia Home Mortgage is not lending in the midwest. Cheap Payments on your mortgage is my goal. broker vs loan officer figure out the difference. get a House Loan here. PMI is charged on 80% or higher LTV, I work in Dayton, MORAINE or Kettering or Oakwood and Centerville and Springboro or Franklin and Germantown, Ohio. Zero Down Mortgage is possible through fifth third. Refinance or Refi is easy be it a Rate and Term or New Construction. I can help and Construction Loans are one of the specialties at 5/3. Construction Lender like Dale Winters helps with building a new home. Pick a Contractor to help Rehab. 203K programs are available. FHA government sponsored financing is for First Time Homebuyer who want their First Home. Pay Points or choose Zero Points. Trust Local Lender not an internet one. Getting a Realtor is the first step, some of the other companies are Countrywide the biggest, Chase also a local bank, Wells Fargo is a nationwide lender, US Bank has similar programs. Debt Consolidation is a big reason to refinance your property, Fifth Third. Investment property mortgages are available to those who can prove income and some who have great credit dont need to. contractor loans are great for builders who need money mortgage information for first time buyers from your loan originator, loan broker and mortgage broker, Dale Winters a professional banker is with Fifth Third ( 5/3 ), Fifth Third Mortgage a branch of 5/3 Bank


Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed5.42%5.6%
15-yr Fixed4.87%5.13%
1-yr Adj4.93%6.12%
* national averages



Above you will find the mortgage national average rates. In almost all cases I can beat those rates and offer you local and personalized service.


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