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.

We also provide free online tools and resources, like the OCCU Homebuying 101 Center, to make it easy for you to take homebuying one step at time. 

 

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 now

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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Take homebuying one step at a time

Our Homebuying 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.

Being able to get a mortgage without being transferred a million times…I think that’s fantastic.

Damon B.

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!

*30 Year Fixed Rates start at 4.375% with 1.00% Point Origination, 4.508% APR. Rates may change and are current as of 04/22/18. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $300,000 purchase price on a 45 day lock. For example, on a loan for $240,000 at 4.375% for 360 months, you would make 360 payments of $1,198.28.. Rates, fees, and programs subject to change without notice at any time.

**15 Year Fixed Rates start at 4.375%, 0.00% Points, 4.475% APR. Rates may change and are current as of 04/22/18. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $300,000 purchase price on a 45 day lock. For example, on a loan for $240,000 at 4.375% for 180 months, you would make 180 payments of $1,820.69. Rates, fees, and programs subject to change without notice at any time.

***USDA 30 Year Fixed rates start at 4.25%  0.00% Points, 4.659% APR. Rates may change and are current as of 04/22/18. Assumes 100% LTV/CLTV purchase of owner-occupied, SFR, 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.

****VA 30 Year Fixed rates start at 4.25%,  0.00% Points, 4.324% APR. Rates may change and are current as of 04/22/18. Assumes 100% LTV/CLTV purchase of owner-occupied, SFR, 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 4.125%,  0.00% Points, 5.173% APR. Rates may change and are current as of 04/22/18. Assumes 96.5% LTV/CLTV purchase of owner-occupied, SFR, 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.

******Low Fee 30 Year Fixed rates start at 4.875%,  0.00% Points, 4.978% APR. Rates may change and are current as of 04/22/18. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 740 credit score, and $300,000 purchase price on a 45 day lock. Rates, fees, and programs subject to change without notice at any time.         
                                
*******OCCU Jumbo Home Loan rates start at 4.500%, 1.0% Point Origination. 4.784% APR. Rates may change and are current as of 04/22/18. Assumes 80% LTV/CLTV purchase of owner-occupied, SFR, 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 $2,634.76. Rates, fees, and programs subject to change without notice at any time.