Home loans with fixed-rates and 30, 20, or 15 year terms
This conventional mortgage with terms of 30, 20 or 15 years is perfect if you're looking to purchase a home with a fixed interest rate and have the same monthly payments for the life of the loan. Save thousands with low fees. Down payment assistance is available.
Apply for a fixed-rate mortgage loan
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Browse our FAQs for details.
Benefits include:
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Downpayments as low as 3%. Finance your home with as little as 3% of the purchase price.
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Purchase a home or refinance an existing mortgage.
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Have the security and predictability of fixed rates and principal payments that don’t change.
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Loan amounts differ based on the number of units.
$500 off lenders fees
The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Short Term Second Lien Home Equity Loans. See a Mortgage Loan Officer for details and how to qualify for Premier Membership.
Apply here
Apply for a fixed-rate mortgage loan
- Get our document checklist to see the items we generally need to help you on your home loan journey.
Mortgage calculator - Oregon State Credit Union
The loan amount, the interest rate, and the term of the mortgage can effect on the total amount you will eventually pay for a property. Mortgage payments typically will include monthly allocations of property taxes, hazard insurance, and (if applicable) private mortgage insurance (PMI). Use our mortgage calculator to see the impact of these variables along with an amortization schedule. Accurately calculating your mortgage can be a critical first step when determining your budget.
FAQs for fixed-rate home loans
How long does it take to fund a fixed-rate home loan?
Funding takes 30 – 45 days for purchasing a home, but sometimes it can be sooner than 30 days if we have notice. Refinancing takes 45 – 60 days to fund. Pre-approvals are generally processed within 24 hours but we may be able to process the same day if you notify us.
What credit bureau do you use for your mortgage loans?
For all long-term fixed-rate mortgages, we pull from three bureaus: Equifax, Experian and Transunion. For all short-term mortgages or home equity lines of credit, we pull from Equifax.
What documentation is needed to apply?
Each person’s situation is different. If you work full-time, then we will need your most recent paystub. If you are receiving retirement income, then we will need the pension or social security award letter you received at the beginning of the year. For complex situations we may ask for 1 or 2 years of tax returns, or for other documentation.
Can you do loans for ITIN borrowers?
Yes, someone with an Individual Taxpayer Identification Number (ITIN) can use their ITIN instead of a Social Security Number (SSN) to apply for a loan.
When can I lock my interest rate?
After your initial documentation is received and your initial disclosures are signed. Your loan officer will work with you on this.
Can I re-lock my rate if it goes down after it is locked?
Not during the initial application process. We do offer a rate-reduction option after funding. If you buy your home now and rates drop later, you'll have the option to get a lower rate without refinancing.
Do you have loans for manufactured homes?
Yes, if the manufactured home is on land that is included with the property, then it would be a purchase transaction (up to 97% LTV). If you would like to have a contractor put a manufactured home on land that you own, then you would apply for our Home Construction Loan (up to 80% LTV).
Do you offer VA, FHA, or USDA loans?
Not at this time. For VA loans we have partnered with TruHome Solutions, LLC, NMLS ID: 284608, 9601 Legler Rd., Lenexa, KS 66219. (866) 981-1700.
Apply for a fixed-rate mortgage loan
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