Home Loans
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
Ready to get started? Contact one of our loan officers to start your application.
Mortgage Loan
OfficerJenny Vessey
Mortgage Loan Officer
Mid Oregon Home Loans
Phone: 541-585-1125
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 January 2023
| Loan Type | Rate* | Points | APR | Payment** |
|---|---|---|---|---|
| 30 Year Fixed Rate | 6.000% | 0 | 6.157% | $1,799 |
| 15-Year Fixed Rate | 5.125% | 0 | 5.382% | $2,392 |
| FHA 30 Year Fixed - Conforming | 5.625% | 0 | 6.530% | $1,727 |
| VA 30 Year Fixed - Conforming | 5.750% | 0 | 5.905% | $1,751 |
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 to be used as a primary residence and a credit score of 740. An escrow (impound) account is 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 $647,200 (subject to county loan limits). 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 $647,200 and $970,800 (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 $970,800 (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.
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Mortgage Refinance Calculator
Estimate monthly payments and total interest paid on your refinanced mortgage with our Mortgage Refinance Calculator.