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.*


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Absolutely no down payment is required.

Save money with no private mortgage insurance required.

The loan stays locally with OCCU. Your mortgage won’t be sold to another lender!

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.

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!

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.

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Have questions?

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

*Standard closing costs and pre-paid escrows apply. Other credit qualifications, conditions and restrictions apply.