Conventional 30-Year Home Loan

Top mortgage loans in Oregon and Washington

If you’re ready to find your new Oregon home or looking to settle down in Washington, we’re ready to help.

When you finance your home with OCCU, you get:

Competitive rates that fit your budget
Mortgage options with low down payments and no private mortgage insurance (PMI)
Local decision-making
In-house servicing
The option to secure your rate while you shop with our Lock & Shop program
A team of mortgage experts to guide you through your homebuying journey

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Are you ready to find your perfect home

In today’s market, you have to act fast when you want to make an offer. When you work with our OCCU mortgage team, you’ll be ready to make an offer knowing you’ve got the best mortgage for you — one that’s tailored to your financing needs that fits your budget.

With competitive rates, low down payment options, 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

Find the rate that’s right for you.

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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 and no PMI.

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Buying a home? Here's how to prepare

When taken step-by-step, buying your first home can be the easy and rewarding experience it’s supposed to be.

OCCU Mortgage loans options for first time homebuyers

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.