Fixed-rate Home Loan
Choose a Fixed-Rate Home Loan and enjoy predictable monthly payments, low fees, and local mortgage experts.
New home, lasting peace of mind
KEY BENEFITS
Low down payments
Flexible financing
Predictable payments
Why choose an OSCU Fixed-Rate Home Loan?
When it comes to homeownership, stability matters. A fixed-rate loan offers consistent payments and the confidence of knowing your rate won’t change.
Big savings
- Save more in closing costs on our 30-year mortgage
- Finance your home with as little as 3% down
- Premier Members save $500 on lender fees*
Flexible financing
- Flexible terms of 15, 20, or 30 years
- Choose from loans for different property types and sizes
- Buy a home now, switch to a lower rate later. Bypass the refinancing process, save time and money when rates drop.
Peace of mind
- Enjoy fixed rates with steady monthly principal payments that never change
- Loan servicing for the life of your mortgage — unlike other lenders, you can count on us for the long haul
More information about our Fixed-Rate Home Loans
* The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Home Equity Loans. See a Mortgage Loan Officer for further details and how to qualify for Premier Membership.
Your timeline is important. We work closely with you to ensure you loan funds by your closing date, keeping you informed every step of the way.
Each person’s situation is different. We need to verify your income and employment and any assets that will be needed for the transaction. Your loan officer will provide which of the standard documents we’ll need for your application
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.
You can request to lock in your interest rate at any time from when you apply to time of final approval. Your loan officer will work with you on this.
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.
Yes, we can finance manufactured homes on owned land. Your loan officer can provide more details and the eligibility requirements for manufactured homes.
LATEST UPDATES & OFFERS
Financial Education Center
More ways to finance your home goals
Already a homeowner? Explore refinancing options or learn how to put your home equity to work.
