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Fixed- and adjustable-rate mortgages with a range of terms and down payment options, plus special programs for first-time homebuyers and low- to moderate-income buyers. In the heart of a community, where the shores of Lake Erie meet the bustling streets of Cleveland, a story of growth, partnership, and success The Bank of Magnolia has grown over the past century, currently operating offices in Magnolia, East Sparta and Canton. Director, B.