Explore your home loan options
Apply for an Oregon State Credit Union home loan and you'll find smart options you need, including fixed-rate conventional mortgages (10, 15, 20 and 30 year terms), first-time homebuyer programs and home equity lines of credit.
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Up to $500 credit towards closing costs
The $500 reduction off closing costs is for Oregon State Credit Union Premier Members.
Learn more about the closing cost reduction for these loans: adjustable-rate, First-time Homebuyer, fixed-rate, refinancing.
The reduction doesn't apply to Home Equity Line of Credit, Home Equity Loan or Land Loan.
Meet your mortgage loan officer
Apply with a loan officer of your choice for expert, person-to-person help.
Home loan rate and fee advantage: a credit union difference
Members of Oregon State Credit Union benefit from profits on home loans because earnings generated go back to members in the form of competitive rates and fees. Why? Because we don't have stockholders who benefit from profits made on home loans, we have members.
Select a link below, learn about mortgage options
A flexible option: payments can fluctuate with interest rates.
Includes help with down payment and closing costs based on income.
A predictable monthly payment and protection from rising interests rates.
One loan for construction and as permanent loan after completion.
Use home equity to help pay for home remodel, college, vacations and more.
Ideal for home loan amounts higher than conforming thresholds.
Ideal for buying land to build a primary residence
Personal help when you’re ready to apply or have questions.
Get loan and rate options geared for your needs.
Closing cost rate reductions may apply if you refinance.