|Loan type||Interest rate as low as||APR|
|15-year fixed||2.875 %||2.987 %|
|30-year fixed||3.375 %||3.409 %|
|Jumbo home loan||3.625 %||3.710 %|
|VA 30-year fixed||4.500 %||4.848 %|
|FHA 30-year fixed||4.000 %||4.526 %|
FHA - A government mortgage backed by the Federal Housing Administration (FHA). Learn more.
Fixed rate - A mortgage loan that includes fixed, non-changing interest through the life of the loan. Learn more. Learn more.
Jumbo - A mortgage loan that allows buyers to finance more than the conforming loan limit. Learn more.
Home equity lines of credit (HELOC)
A line of credit that leverages the value of your home as collateral for a revolving balance (just like a credit card). Learn more.
Refinancing - Paying off your current loan with the proceeds of a new loan. Learn more.
VA - A government mortgage backed by the Department of Veterans Affairs (VA).
Fixed rate options
We have a variety of fixed programs to make home ownership a reality for you. Talk with our loan officers about first-time home buying programs, VA loans, FHA loans, USDA loans and 10 to 30-year terms to see which programs meet your needs best. All our loan programs offer competitive rates and low closing cost options.*
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.
Mortgage options differ based on the amount you’re looking to borrow. For mortgages that exceed the standard conforming loan amount of $510,400, 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.
It’s the move that can save you thousands. Financing or refinancing your home with a 15-year mortgage shortens the lifetime of your loan and has less interest compared to traditional 30-year mortgages. See how you can score extra points for your financial picture.
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.
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 »
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.