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, we’re ready to help. Already in your dream home and looking to refinance? Our team can guide you through the process.


Limited time: no lender or appraisal fees on eligible conventional mortgages

3.25% APR*


Limited time offer available for home purchases

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 a great rate that fits your budget.

With competitive rates, local decision-making and a team that lives and works in your community, you can purchase 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.

Father and daughter pulling for sale sign

What to expect on closing day

Closing day is the last big hoop you’ll need to jump through on your way to homeownership.

Family enjoying time at home

4 steps to purchasing your new home

Buying a home is an exciting milestone in anyone’s life.

Have questions?

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

*No lender fees on 30-year conventional mortgages with annual percentage rate of 3.25%. Credit score of 680 or higher required. Only eligible for primary and secondary homes. No appraisal fees up to $1,000.  Qualifying rate is current as of 1/1/2022 and subject to change at any time. Payment example: On a loan for $300,000 at 3.25% APR for 360 months, borrower would make 360 payments of $1,305.62. Promotion may end at any time without notice. Contact OCCU for details.