Mortgage Loans
At Oregon State Credit Union
From first homes to dream homes, our mortgage loans offer low rates and guidance you can trust.
Home financing options built around you
Benefits grounded in value
Low rates & fees
Low down payment options
Personalized solutions
Flexible rate relock feature
Lifetime loan servicing
Everything you need to make your home loan happen
Why choose OSCU?
- Local and experienced mortgage loan officers, helping you every step of the way
- Loan servicing for the life of your mortgage — unlike other lenders, you can count on us for the long haul
- Save thousands, with lower fees and closing costs than most lenders
- Add our Rate Relock feature — if rates go down in the future, yours can too!
How we can help
- Purchase: Buy your first home or dream home, with down payments as low as 3%
- Refinance: Lower your rate and monthly payment
- Borrow from your equity: Complete a new project or consolidate debt with an OSCU Home Equity loan
Tools, resources, and advice
- Questions before you apply? Meet with a mortgage loan officer
- Get pre-approved before you shop, so you can confidently put in an offer
- Check out more mortgage resources
Personalized home loan solutions
Fixed-rate Home Loans
Enjoy predictable payments with a set rate, term, and monthly payment
Land Loans
Start dreaming and finance a building lot or unimproved property
Home Construction Loans
Build or remodel easily, laying a foundation with confidence — one-close financing keeps the process simple
First-Time Homebuyer Loans
Ready to buy your first home? Haven’t owned a home for three years? With low down payment options, assistance programs, and guidance every step of the way, we make homeownership easier for first-time buyers
Jumbo Loans
For properties with a loan amount of $806,500 or more, explore 15- or 30-year terms with the stability you need
Check today's mortgage interest rates
Mortgage Calculator*
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.
*Interactive calculators are made available as self-help tools for your independent use and are not intended to provide financial advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
Financial Education Center
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More ways to finance your home goals
Already a homeowner? Explore refinancing options or learn how to put your home equity to work.
