Zero reasons to wait

Benefits of 100% home

  • No down payment is required. 
  • Save money without having private mortgage insurance. 
  • Loan servicing stays with OCCU for the lifetime of the mortgage.
  • See current rates or connect with our team to learn more.

With our 100% home loan44 financing program there’s no reason to delay your dreams of home ownership any longer. You’ll be home sooner than you thought possible with zero down and zero mortgage insurance.18

Get started today

Program at a glance

Home must be located in Oregon or Washington.

Borrowers can only own one home at time of closing.

Program is for primary residences only.

Standard closing costs and prepaid escrows apply.

No down payment is required.

Loan is a 30-year term.

Available for new homeowners

OCCU’s new 100% mortgage financing offer is available on primary residences only, so it’s a perfect fit if you’re a first-time homebuyer or if you’ve recently relocated to the area.

Send us a message to learn more about the program and to see if you qualify!

Ask us your homebuying questions

We’re here to guide you through every step of the homebuying process and answer your questions. Send us a message to get started.
 

Where are you on your homebuying journey?

See current mortgage rates

Current Rates

Have questions?

Want to learn more about our home loans? Let's connect!

Meet Our Team
Start Here
Send A Message

18Standard closing costs and prepaid escrows apply. Borrower is required to contribute a minimum of $1,000 and can be used toward closing costs. Borrower must have a minimum 680 credit score, other credit qualifications, conditions and restrictions apply.

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.