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Your perfect mortgage exists.

Dream big. Our home loans have you covered! If you're buying a house or looking to refinance, look no further than CCCU.

Mortgage Benefits

We specialize in mortgage lending, with adjustable and fixed-rate loans being the most popular options for a standard mortgage or refinance of a primary or secondary residence. CCCU offers many other mortgage options specific to first-time home buyers, veterans, physicians, and more. Be sure to check out all of our mortgage options below.

Beautiful new home exterior with home loan mortgage from CCCU

Competitive Rates

Whether you're looking for an adjustable or fixed-rate mortgage, our rates are some of the lowest around.

Buydown Option

Ask how you can buy "points" to lower your interest rate and reduce your homeownership costs.

Local, Fast Service

Our team is local, approving and processing loans quickly (with friendly, personalized service).

Free Consultation

Not sure which mortgage is right for you? Contact us and we'll give you our expert advice.

MORTGAGE RATES | REFINANCE RATES

[1] APR=Annual Percentage Rate. Actual APR based on creditworthiness, purchase price, and down payment amount.  Adjustable rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.

 

Rates as of: February 21, 2025
Term
Interest Rate
APR1 (as low as)
Term
30-Year Fixed
Interest Rate
6.500%
APR1 (as low as)
6.716%
Term
30-Year Fixed (investment purchase)
Interest Rate
7.000%
APR1 (as low as)
7.227%
Term
15-Year Fixed
Interest Rate
5.625%
APR1 (as low as)
5.846%
Rates as of: February 21, 2025
Term
Interest Rate
APR1 (as low as)
Term
5-Year Fixed
Interest Rate
5.990%
APR1 (as low as)
7.007%
Term
7-Year Fixed
Interest Rate
6.250%
APR1 (as low as)
6.978%
Term
10-Year Fixed
Interest Rate
7.250%
APR1 (as low as)
7.738%

[1] APR=Annual Percentage Rate. Actual APR based on creditworthiness, purchase price, and down payment amount.  Adjustable rates are subject to change during the loan term. That change can increase or decrease your monthly payment. Rates include a 1% loan fee, are based on purchase of primary residence, and are subject to change without notice. Contact credit union for more details.

 

Start your Mortgage application

HOW MUCH HOUSE CAN I AFFORD?

Mortgage Calculator

Your dream of owning a new home is possible with our affordable fixed-rate mortgage and adjustable rate mortgage options. Explore various mortgage rates to see your potential monthly mortgage payment. Ready to refinance? We can help with that too! Explore your potential savings.

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What is a mortgage buydown?

Our buydown/interest rate reduction feature allows you to buy down the mortgage interest rate and pay more in up-front fees so you can reduce the interest and payments over time.

The fees you pay to reduce the rate are called discount points and each "point" is a fee equal to 1% of the loan amount. In some scenarios, your real estate agent may be able to negotiate that the seller credit you as the new home buyer toward buying points.

If you are unfamiliar with this concept but would like to explore how this reduction can lead to additional savings, let's talk!

Multi Generational Family enjoying dinner on back patio of new home after getting a mortgage with CCCU home loan
Woman garening in yard with her daughter after purchasing new home with CCCU mortgage home loan

Should I refinance my mortgage?

If you're looking to "find" some extra cash in your monthly budget, refinancing your home loan into a mortgage with a longer term may help. If you are looking to pay off your existing mortgage faster, refinancing into a shorter mortgage term may lead to extra savings. 

The best time to refinance your mortgage is when mortgage rates and refinance rates are lower than what you're currently paying on your existing mortgage. That is when you can count on extra savings in your pocket!

Don't forget, a cash-out refinance is always an option too. It's a type of mortgage refinance that lets you access the equity you have built over time in your home and supplies you with cash in exchange for a bigger mortgage. Many people use this method to consolidate their debt or make home improvements that will impact their home's resale value.

Mortgage Options

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USDA Loans

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FHA Loan

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Physician Home Loan

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First Time Home Buyer

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VA Loan

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ITIN Mortgage

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Jumbo Loan

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CCCU Refinancing Guide on Tablet

Discover if refinancing is right for you!

Our Refinancing: A Comprehensive Guide to Help Leverage Your Home's Value checklist will help you learn valuable information about mortgage refinancing so you can be better prepared.

Ready to get started? Download your guide now:

What our members are saying:

"Everything from getting the pre-approval to our actual mortgage for our new home was seamless. This was the most friendly, helpful and efficient process that anyone could hope to receive. Thank you everyone at CCCU!"

Larry D.

Mortgage Frequently Asked Questions

Do you offer any programs to help buyers save for their new home?

Yes, our CCCU First-Time Home Buyer Savings Account is a great tool to help you get started.

Depositors who are Oregon residents and have not owned a home in the last three years qualify to receive an Oregon state tax subtraction of up to $6,125 for a single filer, and $12,245 for joint filers per year. Plus, close your home loan through CCCU and get a FREE appraisal valued up to $700!

Learn more about this account and its benefits.

Do you have any favorite realtors you could recommend?
What is title insurance and why do I need it?
What is mortgage insurance and when is it required?
Do you offer portfolio loans for less-than-perfect credit?
Who will help me if I have a question about my mortgage application?

CCCU offers a team of mortgage experts that are ready to help you from the beginning of the application through closing on your new home. Meet our mortgage team or call 503-797-7575 to get more information on a mortgage loan product.

Are there any fees charged for these loan programs?
Is there an application checklist for purchase and refinance applications?
What is your rate lock policy?

DISCLOSURES
Membership eligibility required. Rates based on creditworthiness, purchase price, and down payment amount; include a 1% loan fee; are based on purchase of primary residence; are subject to change without notice. Information and interactive calculators are made available as self-help tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to individual circumstances. All examples are hypothetical and are for illustrative purposes. Seek personalized advice from qualified professionals regarding all personal finance issues. Actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. Contact credit union for more details. 

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.