Fifth Third · Bank
Fifth Third
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Loans require credit review and approval. Programme-specific restrictions apply; assistance-state lists are not full mortgage-origination coverage.
Our take: Pros & Cons
What we like
- Fixed-rate mortgages offer 10-, 15-, 20- and 30-year terms; published eligibility includes credit scores as low as620 and down payments as low as3%.
- Home Possible and HomeReady offer flexible down-payment funding and reduced mortgage-insurance premiums for eligible borrowers.
- Eligible conventional borrowers may receive up to$1,395 in lender closing-cost waivers on a qualifying refinance 6–24months after original closing; detailed exclusions apply.
What to consider
- All loans require credit review and approval; programme, property and documentation conditions apply.
- Published rate assumptions use780FICO,$200,000loan,$250,000primarysingle-familyhome,45-daylock and Bill Payer Credit; these do not establish programme eligibility.
- Rate Drop Protector excludes portfolio, non-agency jumbo and ARM loans and cannot be combined with other Fifth Third fee-waiver programmes.
AI-generated lender-level assessment based on published information. Not a verified assessment of RefiNowTM; confirm program-specific conditions below.
Newcomer requirements
RefiNowTM
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
View full lender requirements
- Other conditions
- Loans are subject to credit review and approval.
Questions to confirm with the lender (16)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
RefiNowTM
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
RefiNowTM
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional fixed-rate and adjustable-rate mortgages for home purchase and refinance. Fifth Third also offers Home Possible/HomeReady and Refi Possible/RefiNow options with separate eligibility conditions.
Legal lender: Fifth Third
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 403245
More lender directory information
Direct application information ↗
Loans require credit review and approval. Programme-specific restrictions apply; assistance-state lists are not full mortgage-origination coverage.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.