Conventional 30-Year Home Loan

Find yourself home

There’s nothing like finding a home where you can plant your roots and grow. When you finance your home with OCCU, you get low rates that fit your budget and a team of mortgage experts to guide you through your homebuying journey.

If you’re ready to find your new Oregon home, or looking to settle down in Washington, we’re ready to help. Already in your dream home and looking to refinance? Our team can guide you through the process.

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Your dream, our dream team

In today’s market, you have to act fast when you find the perfect home. When you work with our OCCU Mortgage team, you’ll be ready to make an offer knowing you’re getting mortgage tailored to your financing needs that fits your budget.

With competitive rates, personalized lending solutions local decision-making and a team that lives and works in your community, you can purchase or refinance with confidence.

Current mortgage rates

Ready to calculate your homebuying budget? Here are the rates for all our home loans.

Current Rates

Build a home budget

Ready to find out how much home you can afford? Use our mortgage calculator to make sure you start on track.

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First-time homebuyer

If you’re looking to purchase your first home, we have a program that can help get you there with no down payment.

100% Home

When home bidding wars take an emotional toll

If you’re having trouble finding—and winning—your dream home, you’re not alone. Buying a home is an emotional roller coaster

Couple looking at a home with a real estate agent

OCCU home loans: An option for every homebuyer

Everyone’s path to homeownership looks different. No matter what path you’re on, the OCCU mortgage advisor team is ready to connect and share all the options we have available to help you reach your home goals.

Have questions?

Our loan officers are here to guide you through the homebuying process and answer your questions. Let's connect!

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²⁷Lock and Shop agreement is not a loan approval or loan preapproval; borrower must qualify and be preapproved for loan; loan must close and fund no later than lock expiration date to receive the rate shown in the Lock and Shop agreement; rate lock not available on all OCCU loan programs; Lock and Shop rate and points are subject to change based on certain loan factors including, but not limited to, the loan amount, property value, credit qualifications, occupancy and property type.

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.