Home Mortgage Loans

At Our Community Credit Union, we want to help our members achieve the dream of home ownership.  Whether purchasing a new home for the first time, buying a second home, or refinancing your existing loans, you can count on OCCU to offer a variety of mortgage products to meet your needs:

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

Land Loans – Loans Available in Washington State only.WA Land Loans Fixed rate of 7.50% APR*

  • 7.50% APR*
  • 25% Down Required on all Purchases
  • Maximum Term: 180 Months (15 years)
  • Maximum Acreage: 40
  • OCCU 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, down payment of 25%($25,000),1% processing fee (based on the amount financed). Third party fees may apply: appraisal ($500-$700), title insurance, filing fees and/or escrow incurred by OCCU during the loan process. No prepayment penalties or balloon payments. After the loan has been fully paid, a conveyance fee will be charged by Trustee Services Inc. to remove the Deed of Trust.

Get Started at the OCCU Online Mortgage Center

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

View Our Most Current Rates


If you have a mortgage through OCCU with One Washington Financial,
you can access your Mortgage Account online HERE.

To access your mortgage through CU Members Mortgage online, click HERE.





Renee West, Mortgage Center Home Loan Specialist
(360) 432-5210
(800) 426-5657








Tracy Dickinson, Mortgage Center Loan Officer
(360) 432-5212
(800) 426-5657