Mortgages

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.

Apply now

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, fast processing and price match guarantees you want in a mortgage loan.

100% home. 0% down.

We are now offering 100% home loan financing at low rates. With zero down and zero mortgage insurance, you’ll be home sooner than you thought possible. 

Learn more

Current rates

We offer a variety of different mortgage loan programs so we can work together to design the one that best suits your individual needs.

Loan type Interest rate APR
15-year fixed 3.50% 3.673%
30-year fixed 4.00% 4.111%
Jumbo home loan 4.375% 4.466%
VA 30-year fixed 3.875% 4.256%
FHA 30-year fixed 3.75% 4.873%

 

Calculate your home loan payment

Take the guesswork out of homebuying with our mortgage calculators. See what your monthly payment might be with current interest rates and how your payment impacts your principal over time.

Calculate your monthly payments 

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

 

Calculate payments

Find out if you should rent or own 

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

 

Calculate the difference

Break down your APR ahead of time  

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

 

Calculate APR

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.

Home ownership resources

Begin your homebuying journey with resources about specific loan programs, like VA or FHA loans, and tips on saving for a down payment. Once you find your next home and your loan is in process, you’ll find helpful articles like what to expect on closing day and information about home inspections.

Icons of the mortgage timeline

Beating the clock: a timeline of the mortgage process

Buying a home can feel like a roller coaster ride. Long periods of waiting are punctuated by flurries of progress. Then, suddenly, you’re careening toward home ownership.

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

You’ll also find information about basic finances, budgeting & saving, retirement planning, managing debt & credit, digital banking, insurance & protection, and much more!

Contact OCCU Mortgage Lending

Whether you’re just beginning the process or you’ve already found your dream home and are ready to apply – our loan officers are here to guide you through the homebuying process and answer your questions. Let's connect!

*15-year fixed rates start at 3.50%, 0.25% point origination, 3.673% APR. Rates may change and are current as of 5/14/19. Assumes 80% LTV/CLTV purchase of owner-occupied, single family residence, 740 credit score, and $300,000 purchase price on a 45 day lock. For example, on a loan for $240,000 at 3.50% for 180 months, you would make 180 payments of $1,715.72. Rates, fees, and programs subject to change without notice at any time.
**30-year fixed rates start at 4.000% with 0.375% point origination, 4.111% APR. Rates may change and are current as of 5/14/19. Assumes 80% LTV/CLTV purchase of owner-occupied, single family residence, 740 credit score, and $300,000 purchase price on a 45 day lock. For example, on a loan for $240,000 at 4.000% for 360 months, you would make 360 payments of $1,145.80.  Rates, fees, and programs subject to change without notice at any time.
***OCCU Jumbo Home Loan rates start at 4.375%, 0.50% point origination. 4.466% APR. Rates may change and are current as of 5/14/19. Assumes 80% LTV/CLTV purchase of owner-occupied, single family residence, 680 credit score, and $650,000 purchase price on a 45-day lock. Rates, fees, and programs subject to change without notice at any time. For example, on a loan for $520,000 at 4.500% for 360 months, you would make 360 payments of $2,596.28. Rates, fees, and programs subject to change without notice at any time.
****VA 30-year fixed rates start at 3.875%,  0.00% points, 3.796% APR. Rates may change and are current as of 5/14/19. Assumes 100% LTV/CLTV purchase of owner-occupied, single family residence, 740 credit score, and $240,000 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 3.75%,  0.00% points, 4.53% APR. Rates may change and are current as of 5/14/19. Assumes 96.5% LTV/CLTV purchase of owner-occupied, single family residence, 740 credit score, and $240,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.