Whether you’re a first-time homebuyer looking for a small starter home or you’re ready to take advantage of the equity you built in your current home, the OCCU Mortgage team is here to help.

House Keys

Purchase

Ready to purchase?

GET PREQUALIFIED
Hand with home icon

Refinance

Grab a better rate or terms for your existing loan.

REFINANCE TODAY
home icon

Home Equity

Tap into the equity in your home to finance your dreams.

LEARN ABOUT HOME EQUITY

Here's what you need to prequalify.

  • Contact and employment information.
  • Best estimates of income, assets and liabilities.
  • Optional: Property address and loan amount.

Please expect to spend around 20-30 minutes to complete.

They have the ability to understand where you’re coming from because they know where you’ve been, they know where you’re going and they help you get there.
Damon Burian, OCCU Member since 2009

Home loan options

Conventional

100% Home

Jumbo

Minimum Down Required*

As low as 3%

Mortgage Enrichment Program Eligible

Yes

In-House Servicing

Yes

Link

Conventional

Disclosure

42,43

Minimum Down Required*

No

Mortgage Enrichment Program Eligible

Yes

In-House Servicing

Yes

Link

100% Home

Disclosure

44

Minimum Down Required*

As low as 3%

Mortgage Enrichment Program Eligible

Yes

In-House Servicing

Yes

Link

Jumbo

Disclosure

19,20

Conventional

100% Home

Jumbo

Minimum Down Required*

As low as 3%

No

As low as 3%

Mortgage Enrichment Program Eligible

Yes

Yes

Yes

In-House Servicing

Yes

Yes

Yes

Link

Conventional

100% Home

Jumbo

Disclosure

42,43

44

19,20

* Information above is subject to change and is based on a primary home purchase for a first-time homebuyer.

Looking for something different? You can also explore other less traditional loans, like VA home loans for military veterans, USDA loans for homes in rural areas, and FHA loans for people who may not qualify for a standard loan. Contact our mortgage team to learn more.

Daily OCCU home loan rates

Estimate your payment

family doing dishes

Learn more about home loans

What’s the difference between a HELOC and a home equity loan? How can I ensure a successful refinancing process? How can I make the most of my remodeling plans?

Visit our learning center today to answer these questions and more.

Visit our Learn Center
House Keys

Ready to purchase or prequalify?

Get prequalified
family under blanket

Insure your investment

Our Insurance Services* team is here to find homeowner's coverage or auto insurance you need to feel secure.

With more than 100 years of experience and partnerships with high-quality insurance companies, our team will offer solutions that fit your life and budget.

Insurance options

Contact our mortgage team

Where are you on your homebuying journey?

*OCCU Insurance Services, LLC is a licensed insurance agency and wholly owned subsidiary of OCCU. Not NCUA insured. No credit union guarantees. No credit union deposits or obligations. May lose value. May only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Licensed in Oregon, Washington and Idaho.
 

4230-year conventional mortgage payment example: Loan amount of $240,000 with an annual percentage rate (APR) of 8.013% for 360 months. The monthly payment amount would be $1,761.03. Payment example does not include amounts for taxes and insurance. Actual monthly payment will be higher.

4315-year mortgage payment example: Loan amount of $240,000 with an annual percentage rate (APR) of 7.561% for 180 months. The monthly payment amount would be $2,224.83. Payment example does not include amounts for taxes and insurance. Actual monthly payment will be higher.

44100% Home mortgage payment example: Loan amount of $300,000 with an annual percentage rate (APR) of 8.454% for 360 months. The monthly payment amount would be $2,253.80. Payment example does not include amounts for taxes and insurance. Actual monthly payment will be higher.

193% down available on qualified one-unit, primary residence properties.

20680 minimum credit score may increase to 720 based on the loan amount. Contact OCCU for more details.