Home loans at Oregon State Credit Union
Now is home-buying season!
Apply now for your Oregon State Credit Union home mortgage and choose from a variety of budget-friendly options to suit your location and lifestyle.
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We help our members with loan rates as low as 6.81% APR* and first-time homebuyer loans as low as 3% down.
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Save thousands with low fees, and enjoy down payments as low as 3% of the purchase price. Down payment assistance is available.
Check today's mortgage interest rates
Bring home savings
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Our 30-year fixed rate mortgage loan may save you $4,750 or more in closing costs1.
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$500 off lenders fees. The $500 reduction off lenders fees is valid for Premier Members2.
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Buy a home now, switch to a lower rate later. Bypass the refinancing process, save time and money when rates drop.
Talk with our home loan officers
Ranelle Crosby, Daniel Echeverri and Jaimy Herbert give you personal, expert advice and guide you through the home buying, from mortgage selection and signing to move-in day,
Sign up for home loan rates watch
Check rates you're interested in, review the results and sign up to receive email notifications when rates change.
Homeowner seminars
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.
Home loan rate and fee advantages are a credit union difference
Members of Oregon State Credit Union benefit from profits on home loans because earnings generated go back to members in the form of competitive rates and fees. Why? Because we don't have stockholders who benefit from profits made on home loans, we have members.
Start your home loan today
Apply for a home loan
1 Savings based on a comparison of a $550,000 mortgage loan with a 1% origination fee compared to the same loan with an Essential Oregon State Credit Union membership and standard $750 underwriting and lender fees.
2 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 further details and how to qualify for Premier Membership.
* Rates subject to change.
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