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 type of loan 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.
Dina Mason
Mortgage Loan Officer
Mid Oregon Home Loans
Phone: 541-585-1872
MLO #1023889
NMLS #472178
Jenny Kanoff
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 July 6, 2020
| Type of Loan | Rate* | Points | APR | Payment** |
|---|---|---|---|---|
| 30 Year Fixed Rate | 3.250% | 0 | 3.384% | $1,306 |
| 15-Year Fixed Rate | 2.750% | 0 | 2.990% | $2,036 |
| FHA 30 Year Fixed | 3.125% | 0 | 3.950% | $1,285 |
| 30-Year Jumbo Loan | 3.750% | 0 |
3.853% |
$3,705 |
| 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
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
