Mortgage Loans

At Our Community Credit Union, we want to help our members achieve the dream of homeownership.

Apply Here Today! Meet Your Home Loan Specialist!

Whether purchasing a new home for the first time, buying a second home, an investment property, or refinancing your existing loans, you can count on OURCU to offer a variety of mortgage products to meet your needs:

• First Mortgages
• Adjustable Rate Loans
• USDA Loans
• Refinancing up to 95% Loan to Value
• VA Loans
• Manufactured Home Loans
• Jumbo Loans
• FHA Loans

Apply for mortgage pre-qualification or to check out rates and explore our online tools and resources.
For USDA loans please contact the OURCU Mortgage Center at (360) 432-5210 or (800) 426-5657.

Your Mortgage, Your Online Access

If you have a mortgage through OURCU with one of our partners, please reach out to the OURCU Mortgage team for more information.

With a Home Equity Line of Credit Loan from OURCU… almost anything is possible!

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Using the equity you’ve already built in your home can be a low cost option to tackle a home improvement project, college education, an awesome vacation, debt consolidation, medical expenses, etc.

• Fixed rates as low as APR*
• Credit lines up to $200,000.00*
• Convenient and easy access to funds
• Borrow purchase-by-purchase up to your credit limit
• Available on your primary home in Washington
• Access your equity line for 5 years on a fixed rate
• One-time Document Preparation Fee of $800.00 built into your Home Equity Line of Credit
• No annual fee or prepayment penalties
• Possible tax deduction on interest paid – consult your tax adviser

*APR = Annual Percentage Rate. 5 year draw period-10 year pay back. Maximum loan amount $200,000-First Mortgage/$150,000-Second Mortgage – maximum term of 120 Months. Fixed Rate Home Equity Line of Credit does not include costs other than interest. Example of First Mortgage Position Payment: $100,000 borrowed on a maximum 120 month term with 7.25% fixed APR = $1,174.01/month if to limit. This is an estimated payment, specific to the draw period. Payment is based on principle balance. Terms and conditions apply and are dependent qualifications. Other restrictions apply. Subject to approval and must be a member in good standing. Programs, rates, terms and conditions are subject to change without notice. Call for details.

Land Loans – Loans available in Washington State only

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• 25% cash down required on all purchases plus third party fees such as appraisal, title insurance, filing fees, and escrow
• Maximum Term: 180 Months (15 years)
• Maximum Acreage: 40
• OURCU Finances Raw Land

*Annual Percentage Rate. Financing up to 75% of the property’s value, or 75% of the purchase price is required on purchase transactions. For example; loan amount $100,000.00, down payment of 25%($25,000.00),1% processing fee (based on the amount financed). Third party fees may apply: appraisal ($500.00 - $700.00), title insurance, filing fees and/or escrow incurred by OURCU during the loan process. No prepayment penalties or balloon payments. After the loan is paid in full, we will collect a reconveyance fee on behalf of Trustee Services Inc to remove our lien from the Deed of Trust.