Home is closer than you think
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. We offer low closing cost options, fast processing and competitive rates.
Ask us your homebuying questions
We’re here to guide you through the homebuying process. If you’re a first-time home buyer, we’ll walk you through every step of the way. If you’re an experienced buyer and ready to start the process, we’ll get right down to the competitive rates, low closing costs and fast processing you want in a mortgage loan.
Fixed and adjustable rate options
We have a variety of fixed and adjustable programs to make home ownership a reality for you. Talk with our loan officers about first-time homebuying programs, VA loans, FHA loans, USDA loans and 10- to 30-year terms to see which programs meet your needs best. All of our loan programs offer competitive rates and low closing cost options.*Meet with a loan officer »
Refinancing your mortgage can give you the flexibility to take advantage of lower rates, pay off your home loan sooner or allow you to take some of the equity out for home improvements. OCCU's mortgage loan officers are happy to sit down with you and discuss the options before you fill out an application.Start the process »
Mortgage options differ based on the amount you’re looking to borrow. For mortgages that exceed the standard conforming loan amount of $484,350, a jumbo loan may be a great option. Most lenders require a 20 to 30 percent down payment, but OCCU Jumbo Home Loans require as little as five percent down.OCCU Jumbo Home Loans »
First-time buyer programs
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.Get the details »
Take homebuying one step at a time
The OCCU Homebuying 101 Center has resources to help you navigate the steps toward home ownership. 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 to buy a home »
Join us for a homebuying seminar
At OCCU, we offer complimentary seminars for homebuyers. We regularly offer overviews of the homebuying process and investment property seminars. Check our calendar to see what’s coming up.See upcoming seminars »
“Being able to get a mortgage without being transferred a million times…I think that’s fantastic.”Damon B.