Daniel Echeverri, mortgage loan officer

NMLS Registry Number: 912368 1980 NW 9th Street Corvallis, OR 97330 Office: 541-714-4075 Cell phone: 503-385-3360 Fax: 541-714-4080 Email: decheverri@oregonstatecu.com

Learn more about home loans

1. Video: Myths about buying a home. (Read the transcript here.)

2. Video: Why a credit union is better than a mortgage broker. (Read the transcript here.)

• Purchasing or refinancing a home will be one of your largest financial transactions. So it's essential to select a trusted, qualified, and experienced Mortgage Loan Officer to help you obtain the right loan, one that's tailored to fit your financial needs. With over 6 years of mortgage lending experience, I've helped members like you find customized solutions to secure the perfect home loan. I've also helped many Spanish-speaking borrowers as I am bilingual. Contact me today so I can help you navigate today's market to find the home you're looking for.

It's our vision

At Oregon State Credit Union, our vision is to create financial solutions to make lives better, and our commitment is to be a partner in realizing member dreams every day.

Members like options

Our loans feature competitive interest rates, and we’ve built a reputation as a full-service mortgage lender with a trustworthy suite of products. These include: construction financing, jumbo loans, first-time homebuyer discounts, and Home Equity Lines of Credit (HELOC)

We keep it local

Go ahead and put an offer on that quaint two-story house in the quiet cul-de-sac. We offer local decision-making, low closing costs and a quick turnaround time.

It's easy to get started

Apply for a mortgage today! It’s is as simple as completing an online application.

Video transcript: Myths about buying a home

Hi. I’m Daniel Echeverri, a mortgage loan officer at Oregon State Credit Union.

There are some myths out there about buying a home that may be preventing you from becoming a homeowner.

Myth number 1: You need 20 percent down.

Years ago you may have needed 20 percent down to buy a house, but times have changed. Today there are loan programs and down payment assistance to help put families into homes. Some programs will get you into a home for as little as 3 percent down.

Myth number 2: You can’t borrow your down payment, and no one can give you the money.

Not true. If you own an asset like a car or land, you can borrow against that asset to help with the down payment. And if your parents or some other relative gives you money for the down payment, that’s called gift money, and it’s perfectly fine as long as the money comes from a relative and doesn’t have to be repaid.

Myth number 3: Your credit has to be perfect.

Not necessarily. A lot of young people don’t have enough of a credit history to have perfect credit. But you may still be able to qualify for a loan. Have you been paying rent? Do you pay your utility bills on time and make on-time payments on your credit card? Is your job secure? If so, we need to talk, because NOW is a great time to buy.

So come see me or one of the other mortgage loan officers here at Oregon State Credit Union. We’ll walk you through your options and help you find a path to home ownership that works for you and your situation.

Your new home is out there, waiting for you. What are you waiting for?

Apply for your home loan today