Home Loans

family enjoying breakfast at home

Great rates, excellent service from people you trust

Buying a new home? Refinancing your current mortgage? Ready to pay off your mortgage faster? Come home to Mid Oregon Credit Union. 

Whether you’re looking to refinance an existing loan or want to purchase a new home, you'll enjoy the guidance of an experienced local lending expert from application through closing. We have a range of great home loan options and we're adding more every day!

What Loan Type are you looking for?

  • Purchase
  • FHA, VA, USDA Loans
  • Refinance
  • Financing for Land Only
  • Manufactured Home/Land Packages
  • Workforce Housing
  • Investment Properties
  • Reverse Mortgage
Best Rate
3.00%APR*
30 Year Fixed

Ready to get started? Contact one of our loan Officers to start your application. 

Dina Bliss

Headshot Dina MasaonMortgage Loan Officer

Mid Oregon Home Loans

Phone: 541-585-1872

Dina Bliss application  link

MLO #1023889
NMLS #472178

Jenny Kanoff

Jenny Kanoff photoMortgage Loan Officer

Mid Oregon Home Loans

Phone: 541-585-1125

Jenny Kanoff application link

MLO #476824
NMLS #472178

 

Serving Oregon home buyers and owners. 

Start your mortgage process by completing an application online (Links above). You are welcome to use our online application, email, call or visit us in person. Our loan officers are focused on finding the best price and the best type of loan for your individual situation.

Current Home Loan Rates

Rates Current as of November 23, 2020

Loan Type Rate* Points APR Payment**
30 Year Fixed Rate  3.00% 0 3.132% $1,265
15-Year Fixed Rate 3.125% 0 3.230% $2,090
FHA 30 Year Fixed 2.875% 0 3.693% $1,245
30-Year Jumbo Loan 4.125% 0 4.23% $3,887
VA 30 Year Fixed * Call for price      

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

NMLS 472178

equal housing lender logo

Interest rates are subject to change without notice -- this is not a rate lock commitment or a commitment to lend.

ARM rates are subject to change during the life of the loan as specified in the loan documents and vary by product selected.

Rates and APRs may vary depending on loan details, such as loan amount, loan-to-value, your credit, property type, purpose (purchase or refinance with cash-out vs. no cash-out), occupancy (owner occupied, second home or investment) and points paid.  Rates are subject to change without notice.  You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate. 

Rates and APRs assume that an escrow account is set up for payment of property taxes, hazard insurance, and mortgage insurance if applicable.  Escrow waiver may be available in some cases and additional fees will apply.

Rates assume purchase of an owner occupied single family residence with a minimum of 20% down payment.  1 point is equal to 1% of the mortgage amount (e.g. $1,000 on a $100,000 loan).

**Payments for conforming loans are based on the purchase of a $375,000 property with 20% down payment and a $300,000 mortgage.  Payments for jumbo loans are based on the purchase of a $1,600,000 property with a 50% down payment and a $800,000 mortgage.

Mortgage Refinance Calculator

Estimate monthly payments and total interest paid on your refinanced mortgage with our Mortgage Refinance Calculator.