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At OCCU, we have mortgage options for every homebuying journey and consistently competitive rates for every type of home.

But mortgage rates are unpredictable. And even if you get the best rate possible when you secure your mortgage, you know there’s always the possibility down the road that rates will drop.

With OCCU, you can be confident in your rate – now and in the future.

Introducing: the OCCU Mortgage Enrichment Program*

When you choose OCCU for your mortgage needs, we make it easy — and affordable — to refinance when the time is right. In fact, after the first year, we’ll waive our lender fees when you refinance with us!

Let OCCU take some of the guesswork out of the homebuying process, with competitive rates now and in the future plus fewer fees when you refinance.

Connect with one our home lending experts to learn more.

* OCCU’s Mortgage Enrichment Program (“Program”) - Subject to the conditions and requirements outlined below, the Program applies to the refinancing of an outstanding loan made by OCCU, secured by the same property that secured the original loan, and OCCU issued an “OCCU Enrichment Program” certificate on the original loan. The Program is non-transferable (it can only be redeemed by a borrower on the original loan) and does not apply to equity loans or any other loans except a loan to refinance the loan for which the Program was issued. The Program also does not apply to loans applied for through third parties (e.g., a broker or correspondent lender). The Program may only be used by applying directly with OCCU.

For Programs issued on or after April 04, 2023, the Program may not be redeemed within 12 calendar months of the Date Issued. A longer period may apply to certain loans; ask us about the waiting period that will apply to your loan. The Program expires on the day before the fourth anniversary of the date the Program certificate was issued.  The Program may only be used once. The ability to redeem the Program in part or in whole also is subject to future changes in federal or state law. OCCU cannot guarantee that the borrower will be approved for a future loan, the interest rate for a future loan, or the future appraised value of the home. The borrower’s ability to qualify for a future loan will be subject to the loan program terms and conditions available at that time. For future loans meeting the above requirements and which are successfully closed, no lender origination fee or processing fee will be charged. All other applicable fees and costs will apply. Terms and conditions are subject to change without notice.

Insured by NCUA

 Equal Housing Lender