Bring More. Get More.

Introducing mortgage relationship discounts

The more money you have in Huntington accounts, the better the discount you are eligible to receive

on a home loan.

To qualify, you must have all of the following:

• SmartInvest Checking, Huntington Platinum Perks Checking, or Private Client Account†.

• Huntington balance. Qualifying balances may not include your down payment and must be in a

Huntington account and verified one business day before the Closing Disclosure is issued.

• Automatic payments. Set up mortgage payments to be automatically deducted from your linked

Huntington checking account.

Eligible discounts vary, depending on account balances.

See reverse side for important information.

Discount offer limited to

one pricing discount per loan.

Effective as of 10/24/2022.

For use with a Huntington mortgage professional only.

Deposit or investment

(Consumer accounts only.

Retail life insurance products

and new annuities are

excluded

‡

Price discount on points

(Saleable loans only.)

Rate discount

‡

(Portfolio loans only. For variable

rate loans, the rate discount will

apply to the initial rate prior to the

ﬁ rst rate adjustment.)

TIER 1 $25,000 > 0.250%or 0.100%

TIER 2 $100,000 > 0.500%or 0.150%

TIER 3 $250,000 > 0.625%or 0.250%

TIER 4 $500,000 > 0.750%or 0.375%

TIER 5 $1,000,000+ > 1.000%or 0.500%

Ready to learn more? Contact me today.

Michael Pelagio

Mortgage Loan Ofﬁcer - Retail Illinois-Colorado

NMLS# 1929475

2501 Schaumburg Road

Schaumburg, IL 60194

o: (630) 675-1947

e: michael.m.pelagio@huntington.com

†Huntington Private Bank® is a team of professionals dedicated to delivering a full range of wealth and ﬁnancial services.

The team is comprised of Private Bankers, who offer premium banking solutions, Wealth and Investments Management

professionals, who provide, among other services, trust and estate administration and portfolio management from The

Huntington National Bank, and licensed investment representatives of The Huntington Investment Company, which

offers securities and investment advisory services. The Huntington Investment Company is a registered broker-dealer,

member FINRA and SIPC, and a registered investment adviser with the U.S. Securities and Exchange Commission (SEC).

The Huntington Investment Company is a wholly-owned subsidiary of Huntington Bancshares Incorporated.

‡Mortgage Insurance may be required for loans that have a less than 20% down payment which will increase the APR

and result in a higher loan payment. Interest rates and fees are subject to change without notice. Huntington’s mortgage

division offers many different mortgage products; your APR may vary depending on the product for which you apply. All

loans are subject to loan application and credit approval and receipt of a property appraisal demonstrating sufﬁcient

value. To be eligible for the Rate Discount, you must have or open a Huntington Platinum Perks Checking℠, SmartInvest

Checking℠, or Private Client Account (these accounts are a “qualifying checking account,”) and have at least $25,000

in qualifying relationship balances (“qualifying balances”). Mortgage Relationship Discounts vary based on the (1)

type of mortgage product the customer has applied for, and (2) the customer’s Mortgage Relationship Balance held

in any eligible account, which include all Huntington consumer deposit accounts (checking, money market, savings,

certiﬁcates of deposit (CDs), and individual retirement accounts (IRAs) on which you are an owner), and all Huntington

consumer investments (IRA and non-IRA) held in brokerages, trusts, or managed money accounts. Existing annuities

with a cash value account balance opened by Huntington Financial Advisors®, are also eligible accounts, however, annuity

accounts opened on or after the mortgage loan application date are excluded from the Mortgage Relationship Balance.

Investment, trust and annuity account balances will be assessed based on the account balances that are periodically

reported to Huntington systems by a variety of third-party sources. Other requirements include an open Huntington

Platinum Perks Checking℠, SmartInvest Checking℠ or Private Client Account checking account and a signed agreement

at the time of closing for Huntington to automatically draw monthly mortgage payments from any Huntington checking

account. The Mortgage Relationship Balance amount(s) must be on deposit at Huntington at least one (1) business day

prior to the issuance of the ﬁnal Mortgage Closing Disclosure prior to the loan closing in order to receive this beneﬁt, and

will not include any funds needed for down payment on the mortgage transaction. Huntington’s Mortgage Relationship

Discounts are subject to change without notice. Program eligibility is subject to account and balance validation.

All loans are subject to application and credit approval, satisfactory appraisal and title insurance. Terms, conditions and

loan programs are subject to change without notice. Other terms, conditions and restrictions may apply.

Huntington Private Bank® is a federally registered service mark of Huntington Bancshares Incorporated. SmartInvest

Checking℠ and Platinum Perks Checking℠ are service marks of Huntington Bancshares Incorporated.

The Huntington National Bank is an Equal Housing Lender and Member FDIC. a®, Huntington® and aHuntington.®

are federally registered service marks of Huntington Bancshares Incorporated. Welcome.℠ is a service mark of

Rate Lock:

Security & Flexibility

While You Build Your Home

Huntington is proud to offer flexible financing options with the security of rate locks.

Building a home can be an intimidating process. Let Huntington take some of the worry

away by locking in your interest rate with one of our long-term rate lock programs.

Features:

• Up to a 12-month rate lock

• Closing occurs when the home is complete

• If rates lower, you have the option of relocking at a lower rate

For more information, contact:

Michael Pelagio

Mortgage Loan Ofﬁcer - Retail Illinois-Colorado

NMLS# 

 Schaumburg Road

Schaumburg, IL 

o: () -

e: michael.m.pelagio@huntington.com

All loans are subject to application and credit approval, satisfactory appraisal, and title insurance. Terms, conditions, and

loan programs are subject to change without notice. Other terms, conditions, and restrictions may apply.

The Huntington National Bank is an Equal Housing Lender and Member FDIC. a®, Huntington® and aHuntington.®

are federally registered service marks of Huntington Bancshares Incorporated. Welcome. is a service mark of

You logged the hours. You earned your degree. You’re set with a job. You deserve to

be rewarded for your hard work. Huntington’s physician mortgage program is tailored

specifically to medical doctors,

dentists, and veterinarians

The program offers a wide range of options, including 100% financing up to

$1,000,000, 95% financing up to $1,250,000, and 90% financing up to $2,000,000

Other features include:

• No private mortgage insurance requirement.

• No prepayment penalty.

• No restrictions on residency status. We have an income-based student calculator for

anyone in a residency or fellowship program to help determine financing options.

For more information, contact:

A mortgage program speciﬁ cally for physicians

That’s just how we operate

Michael Pelagio

Mortgage Loan Ofﬁcer - Retail Illinois-Colorado

NMLS# 

 Schaumburg Road

Schaumburg, IL 

o: () -

e: michael.m.pelagio@huntington.com

Program only available to medical doctors who have a minimum degree of M.D., D.O., D.M.D., D.V.M., or D.D.S. and

proof of sufﬁcient income or active employment contract with proof of sufﬁcient income and reserves. Minimum

reserves required vary depending on amount of the loan. Maximum loan amount at 100% ﬁnancing is $1,000,000, at

95% ﬁnancing is $1,250,000 and 90% ﬁnancing is $2,000,000. Loan-to value (LTV) ﬁnancing options vary based on

customer FICO score. Maximum overall loan amount is $2,000,000 with a maximum overall cash out option of $250,000

for reﬁnances. Program is limited to the purchase or reﬁnance of a primary residence.

All loans are subject to application and credit approval, satisfactory appraisal, and title insurance. Terms, conditions, and

loan programs are subject to change without notice. Other terms, conditions, and restrictions may apply.

The Huntington National Bank is an Equal Housing Lender and Member FDIC. a®, Huntington® and aHuntington.®

are federally registered service marks of Huntington Bancshares Incorporated. Welcome. is a service mark of