Compare Fifth Third's published mortgage terms against a documented Freeman Douglas offer. Same loan scenario. Clear payments, points, lender costs and interest. Original sources included.
Independent comparison published by Freeman Douglas Corp. Freeman Douglas is not affiliated with, endorsed by, or an agent of Fifth Third Bank, N.A.. Fifth Third information is third-party public advertising, reproduced here for consumer comparison.
Fifth Third does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
Fifth Third does not publish a rate or APR for this product on its website (checked November 1, 2026) — you must apply or call to get a number you can compare.
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
Douglas Wilkerson · Mortgage Broker | Branch Manager · NMLS #1680719 · Freeman Douglas Corp, DBA of Edge Home Finance
Fifth Third's own website, checked November 1, 2026, publishes no standing 30-year fixed rate — its rate tool asks for your ZIP and returned no values. An older Fifth Third offer page still shows a 3.125% example with no date on it at all; undated rates are decoration, not pricing, and this page does not use it. The survey figure in the table is labeled with its source and date. Every Freeman Douglas figure is priced, dated and posted at 0 points — and its relationship perk, a 0.50-point credit, requires your payments to auto-draft from a Fifth Third checking account.
A veteran doesn't win because a bank put a flag in an ad. A veteran wins when somebody puts the bank's rate, points, APR and lender fees on one side of the page and the same loan — priced across the market — on the other, before anything gets signed. Every dollar a veteran doesn't hand over in points and fees is a dollar that stays with their family. Publishing this comparison, on the record, every day, is how we truly help our military community: not with a slogan — with the numbers.
A first-time buyer doesn't win because an ad said "3.5% down." A first-time buyer wins when somebody shows them the whole cost — rate, APR, points, mortgage insurance and lender fees — next to the same FHA loan priced across the market, before they sign. That's how we truly help our first-time homebuyer community: not with a headline — with the numbers, where everyone can check them.
3% of the purchase price, up to $3,600, toward down payment or closing costs, with no payback required. Eligibility runs on income or property location, credit scores as low as 600 may qualify, and it can stack with other assistance.
Same program, or the same outcome, here: Down-payment help is a crowded field — Florida Housing assistance, lender credits and low-down programs all live here, and they get priced and compared on your actual file instead of a brochure cap of $3,600.
No Fifth Third lender fees at closing — no origination, processing, underwriting, commitment or application fees, a stated $600–$2,000 value — for properties in eligible locations.
Same program, or the same outcome, here: A no-lender-fee structure is a pricing choice, not a bank invention: the Freeman Douglas column on this page is priced with its lender charges in the open, at 0 points, on the same 30-year fixed products.
Physician, dentist, veterinarian, optometrist and podiatrist loans with no PMI below 20% down; Fifth Third's own article describes up to $750,000 with no down payment and higher limits for established doctors.
Same program, or the same outcome, here: Professional/physician lending is a standard wholesale shelf product — the same no-PMI, low-down structures get priced across lenders here, not inside one bank's program brochure.
Same program. Same guidelines. Way cheaper — because one bank gives you their price for it, and we price it across the market. Today's matched comparison is in the cards above.
Bank figures are taken from Fifth Third's own published rate pages and disclosures, captured with the date shown and linked below. Freeman Douglas figures are that day's priced scenario: $450,000 loan, 30-year fixed, primary residence, single-family, borrower-paid compensation, 0 points; down payments VA 0%, FHA 3.5%, conventional 5%. Payments are principal & interest only, recalculated from the amortization formula, never copied from an advertisement. Discount points are never lumped in with origination charges; each cost keeps its own label. Rates change daily — when this page's figures roll forward, the date above rolls with them.
Fifth Third does not post a standing public rate — its site uses a ZIP-personalized tool (no values shown on November 1, 2026). The dated survey figure in the table is the public record; the Freeman Douglas column is priced and posted daily.
On most loans, yes — which is why its Community Reinvestment Special advertises waiving them ($600–$2,000) as a benefit for eligible properties. Compare Section A of any Loan Estimate line by line.
Request a documented, side-by-side financing review from Freeman Douglas — bring any Loan Estimate, or start with your own numbers.
