100% mortgage financing

Zero reasons to wait

With our 100% home loan financing program there’s no reason to delay your dreams of home ownership any longer. You’ll be home sooner than you thought possible with zero down and zero mortgage insurance.*

Rates as low as
 

4.031% APR**


See current rates

Benefits of 100% home loan funding

  • No down payment is required. 
  • Save money without having private mortgage insurance. 
  • Loan servicing stays with OCCU for the lifetime of the mortgage.

Start application

Program at a glance


Home must be located in Oregon.


Borrowers can only own one home at time of closing.


Program is for primary residences only.

 


Standard closing costs and prepaid escrows apply.


No down payment is required.


Loan is a 30-year term.

Available for new homeowners

OCCU’s new 100% mortgage financing offer is available on primary residences only, so it’s a perfect fit if you’re a first-time homebuyer or if you’ve recently relocated to the area.

Send us a message to learn more about the program and to see if you qualify!

Ask us your homebuying questions

We’re here to guide you through every step of the homebuying process and answer your questions. Send us a message to get started.

See current mortgage rates

Current rates

Take homebuying one step at a time

Navigate the steps toward home ownership with OCCU’s Homebuying 101 Center. Walk through the entire homebuying process, from pre-qualification to getting your keys. By the end, you’ll have a clear picture of what to expect on your homebuying journey.

Start here

Have questions?

Want to learn more about our home loans? Let's connect!

*Standard closing costs and prepaid escrows apply. Borrower is required to contribute a minimum of $1,000 and can be used toward closing costs. Borrower must have a minimum 680 credit score, other credit qualifications, conditions and restrictions apply.

**Annual percentage rate is based on credit profile. Actual APR may be higher. Payment example, a loan for $250,000 at 4.031% APR for 360 months, borrower would make 360 payments of $1,175.00. Contact OCCU for details.