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Easy Home RefiSM

Refinance with closing costs as low as $299.1

Easy Home Refi is an easy and low-cost mortgage refinance option. Get the security of a fixed interest rate with fixed monthly payments. Plus, the interest you pay may be 100% tax deductible.2

How It's Used

Lower your monthly mortgage payments or pay off your mortgage sooner. An Easy Home Refi can help reduce the amount of money you pay on your mortgage, allowing you to put that money toward other things, from home improvements to debt consolidation.


If you are receiving cash back, you will get a lump sum when you close on your refinance.

Relationship Benefits

  • Receive a .25% rate discount when payments are automatically deducted from a Fifth Third checking account using Auto BillPayer and an additional .25% rate discount with a Preferred or Enhanced Fifth Third checking account.
  • No monthly service charge on the Fifth Third Established Checking account when you have a Fifth Third personal mortgage.3

Fixed Payments

  • Pay the same amount each month.
  • Multiple term options.

How Much Will My Loan Payments Be?

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All loans subject to credit review and approval


  1. Loans are subject to credit review and approval. Rates are disclosed for our highest qualified borrowers. The applicable interest rate varies depending on credit qualifications and property state. Offer available on first lien refinances only; loan-to-value not to exceed 80%. Subject to additional restrictions. As of 10/16/13, up to 80% loan-to-value (LTV) Easy Home Refi loan and 10 year term with a rate of 3.79% receives a 3.8535% Annual Percentage Rate (APR) and $1,005.50 monthly payment. For a 15 year term, a rate of 3.99% receives a 4.0343% Annual Percentage Rate (APR) and $739.19 monthly payment within the Cincinnati market. APR reflects amount financed of $100,000, 30 days to first payment, and Auto BillPayer® debited from a Fifth Third Bank checking account. No other discount applies. The $299 closing costs are available only with the use of Vista Settlement Services, LLC. Subject to credit review and approval. Borrower is responsible for cost of title coverage, which is based on the loan amount, if Vista Settlement Services, LLC is not used. Fees associated with the payoff of a prior lien or prepaid interest on the new loan is the responsibility of the borrower and is not included in the $299 closing cost. In Florida, doc stamps and intangible taxes apply, these taxes are not part of the $299 closing costs and are required to be paid in addition to the $299 closing costs, and will generally range from $55 to $2,294. The total cost of these taxes is based upon the loan amount (the highest number is based on $417,000 loan amount). If loan is secured by a condominium unit you may have to pay a fee to your Home Owner's Association for the completion of the Condominium Questionnaire. You may have to pay an amount between $0 and $600. Checking account required to receive .25% Auto BillPayer® discount. $50 minimum deposit required to open new checking account. Contact a Fifth Third banking center for more information. Rate, terms and conditions are subject to change without notice.
  2. Consult a tax advisor regarding deductibility of interest.
  3. All owners on a Fifth Third Established account must also be listed as owners of the loan. Bond or lot loans and overdraft lines of credit are excluded.