Being Home Is The Best Part. Unitus Will Help You Get There.
We understand how daunting the home buying process can be, and Unitus is on your side. Our Home Loan Experts understand the ins and outs of the local housing market and all the available financing options. We offer:
From pre-approval through closing documents, we’re here with you every step of the way.
We offer a flat mortgage loan origination fee, rather than a percentage of the loan amount.
Home Loan Estimates
Our estimates spell out exactly what you can expect to pay for your loan.
We take the mystery out of the process and help take the stress out of getting a mortgage.
Our experts are local, experienced, and understand the local Portland, Vancouver and Salem housing markets.
No Appraisal Home Loans
Don’t wait for an appraiser. Save your time. Close on the home you want.
Home Financing Made Easy
As your not-for-profit community credit union, Unitus is looking out for your best interests. We offer flexible financing options so you can get the best home loan at the lowest possible cost.
Whether you’re a first time homebuyer or a homeowner looking to refinance, our Home Loan Experts will guide you through the entire process.
First Time Homebuyer Program
Goodbye landlord. Hello home ownership! Our First Time Homebuyer program allows you to own a home with zero money down. Zip. Zero. Zilch.
Ideal for prime borrowers with good credit, income, employment history and appropriate reserves whom are willing to pay a higher rate in lieu of a down payment. The program requirements include mandatory home ownership education to help our members prepare and understand home ownership considerations. Qualifying members may be approved for financing of up to 100% LTV on qualifying collateral types without private mortgage insurance.
Home Loan Rates
30 Year Fixed
15 Year Fixed
5/5 ARM First Time Homebuyer
10/6 ARM No Appraisal
*APR = Annual Percentage Rate. See full disclosures
Additional rates and products available. Contact a Mortgage Relationship Officer for details.
Home Loan Rates current as of 1/15/2020 at 7:15AM
Jumbo, FHA and VA Loans
Our standard loans may not fit your needs. That’s why we also offer Jumbo and government-issued loans.
Equity Line Plus
Tap into your home’s equity with our flexible home equity line of credit. Get access to cash without paying interest until you start using it.
The TruStage Home Insurance Program provides top-quality protection for your home, with discounted rates for Unitus members.
Home Buying Seminars
Your new home may be the biggest purchase you make in your life. With so many things to consider, ease your anxiety by attending our no-cost seminar where we will guide you through the process.
Also known as Home Equity Conversion Mortgage (HECM), is available to members 62 or older. This unique loan takes part of the equity in your home and converts it into payments back to you, and usually with no tax implications. (Please consult with a tax advisor.)