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Huntington National Bank Mortgage |
The Huntington National Bank offers various mortgage loan programs for the personal bankers. Huntington has been serving the communities and customers in the region by providing home mortgage loans, REO properties, corporate relocation and refinancing. Besides, these services can be availed through its online facility.
Some of the notable loan programs offered by Huntington mortgage group are given below.
- Conventional fixed rate: This mortgage is based on the conventional rate which is available on four basic terms, i.e. 30, 20, 15 and 10 years.
- Conventional Balloons: This is based on fixed rate of 30 year payoff which is most suitable for those who want to live in their home for three to seven years. It also gives the conditional rights to modify at the end of the balloon term.
- Adjustable Rate Mortgages (ARM): These are the loans offer at low rate with a predetermined time schedule. Basically, it is available in two types, which are based on the terms of the loan i.e. 3/1 ARM and 5/1 ARM.
- Refinance Transactions: Huntington also allows additional cash out for the primary home and also provides the advantages for low mortgage rate.
- Alternative Financing: This mortgage option is provided with the personalized guidance from a specially-trained team to customers like self-employed borrowers and people with bad credit records.
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Due to the continuous jobs termination in Michigan's automobile industry, the phenomena of home foreclosures have become very common in the state. Huntington bank offers an array of solutions in case the customers meet difficulty in their monthly payment, and thus helps them keep away from foreclosures in Michigan and Ohio. For instance, if a customer cannot afford the total amount of current payment or there is any chance of loosing home due to foreclosure, he or she can approach the Huntington mortgage company Ohio and others and get solutions like short sale, loan or mortgage modification, deed in lieu of foreclosure and repayment plan. The company also provides counseling services to avoid a foreclosure process in states other than Ohio and Michigan.
The mortgage account can also be managed through online using a valid customer login id and password. Those who want to avail the mortgage loans can also apply through online or at the phone number mentioned below. For other business dealing on a mortgage issue, one can contact the concerned department at the following addresses and phone numbers.
Apply for a Mortgage:
Phone Number: 1-800-LOAN-US1 (1-800-562-6871)
Hours:
Monday - Thursday: 8:00 a.m. - 7:00 p.m. ET
Friday: 8:00 a.m. - 6:00 p.m. ET.
Mortgage Customer Service (Existing Mortgages):
7 Easton Oval
Columbus, OH 43219
Phone Number: 1-800-323-4695
Fax 1-614-480-6009
Hours:
Weekdays, 8:00 a.m. to 7:00 p.m. ET
Mortgage Payment Address:
Huntington Mortgage Group
PO Box 182661
Columbus, OH 43218-2661
Mortgage Payment Address (Overnight Deliveries Only):
Huntington Mortgage Group
2361 Morse Road NC1N13
Columbus, OH 43229
Apart from the locations mentioned above, the Huntington mortgage Indianapolis, with specialization in construction lending, is dedicated to the residents of the region. The other cities like Chester NJ (New Jersey), Traverse City in Michigan and West Virginia can also avail the same facilities. Some of their contact information is as follows.
Indianapolis Mortgage Banking Office
Address: 949 E. Conner Street, Suite 300
IN10, Noblesville, IN 46060
Phone: 317-770-4747, or 1-800-634-1173 (toll free)
Fax: 317-770-4744
Hours:
Weekdays: 8:00 a.m. - 5:00 p.m.
New Jersey Mortgage Banking Office
Address: 32 Collis Lane
RMCHNJ, Chester, NJ 07930
Phone: 908-879-8880
Fax: 908-879-8644
Hours:
Weekdays: 8:00 a.m. - 5:00 p.m.
Northern Michigan Mortgage Banking Office
Address: 415 Munson Avenue
MI388, Traverse City, MI 49686
Phone: 231-922-5858
Fax: 231-922-5865
Hours:
Weekdays: 8:00 a.m. - 5:00 p.m. (other times by appointment)
Southern West Virginia Mortgage Banking Office
Address: 1905 1st Avenue
WE3741, Nitro, WV 25143
Phone: 304-755-6000
Fax: 304-755-6014
Hours:
Weekdays: 8:00 a.m. - 5:00 p.m. (by appointment)
Huntington Mortgage Rates
Basically the mortgage rates are classified into two types namely conventional fixed rate and adjustable rate mortgage (ARM). The Huntington bank provides the loan at four variations of conventional rate and two variations of adjustable rate programs. The conventional rates are applicable to the loan amounts of upto $417,000 whereas adjustable rate mortgages are applicable to the loan amounts of upto $650,000. The following are some of their interest rates and Annual Percentage Rates (APR) as according to the conditions mentioned above.
Conventional Rate (for Loan amounts upto $417,000)
- 30 yr 4.000% (interest rate) 4.273% (APR)
- 20 yr 3.875% (interest rate) 4.281% (APR)
- 15 yr 3.625% (interest rate) 4.053% (APR)
- 10 yr 3.500% (interest rate) 4.117% (APR)
Adjustable Rate Mortgage (for Loan amounts upto $650,000)
- 3/1 ARM 2.875% (interest rate) 3.209% (APR)
- 5/1 ARM 3.375% (interest rate) 3.392% (APR)
In addition, these mortgage rates may vary from one location to another. Therefore to find out more on mortgage rates of a particular location or area, visit the website and use the rate finder option available there. Provide the information required, for example the zip code of the location you are looking for and the type of product you want. Alternatively, one can reach the bank through phone at 1-800-LOAN US-1 (1-800-562-6871) or visit the nearest local branch. Besides, online mortgage calculator is also available which helps the customers in calculating the payable value based on their loan amounts.
The bank's official website page that may provide precise information on Huntington Bank rates is huntington.com/GetRatesServlet. For other detailed and additional information or to file mortgage complaints regarding the Adjustable Rate loans or any other services, please contact one of the following.
Federal Deposit Insurance Corporation (FDIC)
Consumer Response Center
2345 Grand Blvd., Suite 100
Kansas City, MO 64108
(877) ASK-FDIC (877-275-3342) (toll free)
E-mail: consumeralerts@fdic.gov
Website: www.fdic.gov/consumers/consumer/ccc/index.html
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480
(888) 851-1920 (toll free)
(877) 766-8533 (TTY) (toll free)
(877) 888-2520 (fax) (toll free)
E-mail: ConsumerHelp@FederalReserve.gov
www.FederalReserveConsumerHelp.gov
Huntington Bank REO
In addition to providing the banking and mortgage services, the Huntington bank also deals in real estate owned properties (REO). The information on Huntington bank owned properties will also be available on the website along with the listing agents.
They also provide the facility to locate their owned properties or REO properties conveniently at the locations of customers' interests. The customer can search the listed properties within 25 miles of a particular area by providing the zip code. Moreover customers can also customize the search with several options like state, city, price, number of bedroom etc. On the other hand, Customers can also request additional information for the unlisted property through online request form available on the bank website and this will be redirected to the customer within 48 hours.
Interested customers can visit the website given below for more information on Huntington bank owned properties or REO properties.
http://www.hnbrealestate4sale.com/us/index.php
For further detailed information and reviews about the Huntington bank its services, please visit the following website of the bank. Mortgage solutions in Hagerstown MD are provided by Huntington Mortgage Group rather than Huntington Bank.
Website: https://www.huntington.com/pas/HNB1700.htm
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