30 Year Mortgage

Find yourself home

There’s nothing like finding a home where you can plant your roots and grow. When you finance your home with OCCU, you get low rates that fit your budget and a team of mortgage experts to guide you through your homebuying journey.

If you’re ready to find your new Oregon home, or looking to settle down in Washington, we’re ready to help. Already in your dream home and looking to refinance? Our team can guide you through the process.

Your dream, our dream team

In today’s market, you have to act fast when you find the perfect home. When you work with our OCCU Mortgage team, you’ll be ready to make an offer knowing you’re getting mortgage tailored to your financing needs that fits your budget.

With competitive rates, personalized lending solutions local decision-making and a team that lives and works in your community, you can purchase or refinance with confidence.

Current mortgage rates

Ready to calculate your homebuying budget? Here are the rates for all our home loans.



Build a home budget

Ready to find out how much home you can afford? Use our mortgage calculator to make sure you start on track.



First-time homebuyer

If you’re looking to purchase your first home, we have a program that can help get you there with no down payment.


100% HOME »  

Homeownership resources

Owning a home is a rewarding experience. Learn to make the most of it with our helpful homeownership articles on topics like saving for a down payment, using your home equity wisely and upgrading your home with smart home technology.

credit union mortgage

Three reasons to choose a credit union mortgage

If you’re thinking about buying a home, you’ve probably already made a l

Icon representation of the mortgage process timeline.

Beating the clock: a timeline of the mortgage process

 Buying a home can feel like a roller coaster ride. These tips can help you stay on track and thrive in a fast-moving market. Find out more about the mortgage process timeline.

Lock in your rate while you shop

Looking for a home but worried that interest rates could rise? We have the solution to give you confidence while you shop in today’s housing market. Learn more about our new Lock & Shop program – an OCCU mortgage lending benefit that lets you lock in your interest rate for up to 90 days. Contact our mortgage team today to learn more.**

Get started

Have questions?

Our loan officers are here to guide you through the homebuying process and answer your questions. Let's connect!

**Lock and Shop agreement is not a loan approval or loan preapproval; borrower must qualify and be preapproved for loan; loan must close and fund no later than lock expiration date to receive the rate shown in the Lock and Shop agreement; rate lock not available on all OCCU loan programs; Lock and Shop rate and points are subject to change based on certain loan factors including, but not limited to, the loan amount, property value, credit qualifications, occupancy and property type.