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!

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

Current Home Loan Rates

Rates Current as of December 2020

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.