Fixed-rate home loan

Our traditional mortgage is an excellent option for homebuyers looking for a simple fixed-rate loan up to the current conventional loan limits set by the Federal Housing Finance Agency.

  • Flexible terms of 10, 15, 20 and 30 years

    • Apply for a 10-year mortgage loan, refinance your home: pay less interest, build equity, speed up your mortgage pay-off.

Apply for a fixed-rate mortgage loan

Choose from a variety of fixed-rate, fixed-term options

  • Competitive rates and fees

  • Up to $500 off closing costs — $500 reduction is for Oregon State Credit Union Premier Members and does not apply to Home Equity Line of Credit, Home Equity Loan or Land Loan.

  • As little as 5% down

  • Fixed-rate mortgages are ideal if you:

    • Expect income to remain the same for the next several years

    • Don’t plan to move for several years

    • Want the security and predictability of fixed rates and principal payments that don’t change

  • Loan amounts differ based on the number of units

  • Can be used to purchase a home or refinance an existing mortgage

Apply for a fixed-rate mortgage loan

Go to main navigation