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Today's Rates

30 Year Fixed Rate
 Rate  APR  Points
 4.750%  5.009%  1.000%
 5.000%  5.172%  0.000%
25 Year Fixed Rate
 Rate  APR  Points
 4.625%  4.919%  1.000%
 4.750%  4.944%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.850%  1.000%
 4.625%  4.855%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.125%  4.566%  1.000%
 4.250%  4.540%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.874%  1.000%
 3.500%  3.910%  0.000%
3/1 Year Adjustable Rate
 Rate  APR  Points
 3.375%  5.146%  0.000%
5/1 Year Adjustable Rate
 Rate  APR  Points
 3.875%  5.213%  0.000%
7/1 Year Adjustable Rate
 Rate  APR  Points
 4.375%  5.365%  0.000%

Personalized Quote

Ashu Howard

Loan Originator

NMLS Registry Number: 1007274

3721 Oberlin Ave.
Lorain, OH 44053-2761

Office: 440 282-6549
Cell Phone: 440 670-5962
Fax: 440 282-6164


I have lived in Northeast Ohio for most of my life.  Both my family and I have strong roots in this community. After graduation from high school I served four years in the US Army.

I have been in the financial services industry for a number of years and am very proud and extremely happy to have the privilege to join the team at First Federal Savings of Lorain. During my career as a loan originator I have had the opportunity to work with veterans and their families to achieve the dream of homeownership.

I have three small dogs, I love any physical activity, especially working out, I am a car and motorcycle enthusiast and I am a vegetarian! I look forward to meeting you and helping you navigate the mortgage maze!!


Applying online is as easy as 1-2-3.

You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed, and in the case of preapprovals, submitted for instant online approval.
  3. A First Federal Savings of Lorain loan originator will follow up to answer your questions.

At First Federal Savings of Lorain, our goal is to provide the highest level of service at competitive rates. Our loan originators are only a phone call away if you need help. Contact Danielle at 419 433-2437.