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
2.875%APR*
15  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 July 2021

Loan Type Rate* Points APR Payment**
30 Year Fixed Rate  3.000% 0 3.132% $1,265
15-Year Fixed Rate 2.875% 0 3.116% $2,054
FHA 30 Year Fixed 3.000% 0 3.820% $1,265
30-Year Jumbo Loan 3.375% 0 3.510% $3,979
VA 30 Year Fixed 2.625% 0 2.754% $1,205

NMLS 472178

Interest rates are subject to change without notice - this is not a rate lock commitment or a commitment to lend.  You will need to speak to one of our loan officers to obtain a specific quote or to lock a rate.  Final rates, points and terms are based on an evaluation of credit history, loan-to-value, occupancy, payment type, loan amount, loan purpose, property type and location, property use.

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

Rates provided assume the purpose of the loan is to purchase an existing single family home located in Oregon.  The property will be used as a primary residence and a credit score of 740 is assumed.  An escrow (impound) account may be required and actual monthly payments will be higher as it will also include amounts for real estate taxes and homeowner's insurance premiums.  Escrow waivers may be available in some cases and additional fees will apply.

Conforming Rates:  Available on loan amounts up to $548,250.  Quoted rates assume the factors listed above and a loan amount of $300,000 and an estimated property value of $600,000.

Loan amounts between $548,250 and $822,375 (subject to county loan limits) are considered Conforming High-Balance Loans and are subject to additional rate adjustments.  Please contact a loan officer for a rate quote on a Conforming High-Balance loan.

Jumbo Rates:  Available on loan amounts over $822,375 (subject to county loan limits).  Quoted rates assume the factors listed above and a loan amount of $900,000 and an estimated property value of $1,800,000. 

 

 

Mortgage Refinance Calculator

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