Follow these steps to get your Oregon State Credit Union home loan

Buying a home is exciting, but it can be challenging if you don’t understand the mortgage process. Oregon State Credit Union will be with you every step of the way to help you know what to expect, especially if you’re a first-time homebuyer, and to help you make solid decisions about your home purchase.

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Step 1: Get your pre-approval

Pre-approvals allow you to shop for a home knowing how much you can afford. It also shows the seller that you’re serious and prepared—and able—to buy. You’ll need to complete our online application and provide copies of various documents and, meet with your Mortgage Loan Officer.

Step 2: Find a home, make an offer

Once you’ve found a home that you want to purchase, you and your real estate professional will work together to submit an offer. When the seller accepts your offer, you’re ready to move forward! You will need to provide your Mortgage Loan Officer a signed copy of your purchase agreement.

Step 3: Provide a purchase agreement

Upon receiving a copy of your purchase agreement, we will provide you with loan disclosures, verify your documentation, order your home appraisal, and lock in your interest rate. During this time, you will need to obtain homeowner’s insurance, provide us with any final documentation we need, and prepare for your move.

Step 4: Review documents, have questions answered

Once we approve your loan, we will provide you with a copy of all your loan documents so you can review them at your own pace and have your questions prepared. You will sign your loan documents at a title company and pay any remaining costs. You’ll also receive the keys to your new home!

Step 5: Welcome home

The day you close on your first home will be one of the most exciting days of your life. Congratulations! Thank you for allowing Oregon State Credit Union to be part of your home-buying process.

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