Mortgages

Let OCCU lead you home

We know there’s more than one route to your dream home. That’s why we offer a wide variety of mortgage options for every financial journey. Our mortgage loan officers will work closely with you to select the right financing option and guide you through every step along the way.

Take home buying one step at a time

Our Home Buying 101 center helps you learn the ins and outs of home buying. This valuable resource offers tips, checklists, and more to support you on your journey to home ownership.

Take guesswork out of the equation with our mortgage calculators

With our mortgage calculators, it's easy to get prepared early on.

Calculate your monthly payments 

With this calculator, you can see how your payment impacts your principal over time.

 

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Find out if you should rent or own 

Find out what's best for you by comparing long-term costs. 

 

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Break down your APR ahead of time  

Prepare by calculating APR for fixed-rate or adjustable-rate loans.

 

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“When my wife and I were trying to close on a house… the teller and the specialist working there came right to us and made sure that we did it in a way that we would be set for our taxes.”

Marty Wilder

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*30 Year Fixed Rate 3.75% to 8.50%, 0.00% Points, 3.815% APR. Rates may change and are current as of 4/1/16. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. For example, on a loan for $250,000 at 3.75% for 360 months, you would make 360 payments of $1,157.79. Rates, fees, and programs subject to change without notice at any time.

**15 Year Fixed Rate 3.00% to 8.00%, 0.00% Points, 3.102% APR. Rates may change and are current as of 4/1/16. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. For example, on a loan for $250,000 at 3.00% for 360 months, you would make 180 payments of $1,726.45. Rates, fees, and programs subject to change without notice at any time.
***USDA 30 Year Fixed rates start at 3.625%,  0.00% Points, 4.888% APR. Rates may change and are current as of 4/1/16. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
****VA 30 Year Fixed rates start at 3.625%,  0.00% Points, 4.516% APR. Rates may change and are current as of 4/1/16. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
*****FHA 30 Year Fixed rates start at 3.625%,  0.00% Points, 4.516% APR. Rates may change and are current as of 4/1/16. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.
******No Fee 30 Year Fixed rates start at 4.50%,  0.00% Points, 4.540% APR. Rates may change and are current as of 4/1/16. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $250,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.