Mortgage Lending

At Valley Central  Bank we simplify your loan experience by guiding you through the loan process from application to closing. We service all of our loans and all decisions are made locally. Please feel free to stop in or call our experienced on site loan department for all your home loan needs (513) 821-3335.

Rates effective as of 06-02-2014


Rates subject to change without notice.

APR based on $150,000 loan amount.

Adjustable Rate Mortgages: Caps: 2.000% every five years and 6% lifetime. 80% loans, Index + 2.50%. 90% loans, Index + 3.000%. Index is based on the weekly average yield on United States Treasury securities adjusted to a constant maturity of five years.

  • Fixed Rate Mortgages - Your interest rate stays the same for the life of the loan
  • Adjustable Rate Mortgages - If you are looking for a low rate consider an adjustable rate loan.
  • Construction Loans - Close one time for the construction and the end loan and avoid unnecessary cost
  • Escrow not required in most cases
  • Low closing costs
  • On site Loan Officer
  • Local decision making
  • Local loan servicing
  • Low Down Payment Options Available - Contact a Loan Officer for more information
  • Home Equity Credit Lines and Loans

115 West Benson Street, Reading, OH 45215