Home Loans

We’re your friendly Pacific Northwest mortgage lender. Unitus offers a team of Home Loan Experts dedicated to helping you realize your dreams of homeownership.

Helping You Down the Path to a New Home

We understand how daunting the homebuying process can be, and Unitus is on your side. Our Home Loan Experts understand the Portland area housing market and all the available financing options. We offer:

Step-by-Step Help

From pre-approval through closing documents, we’re here with you every step of the way.

Flat Fees

We offer a flat mortgage loan origination fee, rather than a percentage of the loan amount.

Loan Estimates

Our estimates spell out exactly what you can expect to pay for your loan.

Easy Financing

We take the mystery out of the process and help take the stress out of getting a mortgage.

Local Experience

Our experts are local, experienced, and understand the local Portland housing market. 

No Appraisal Loans

Due to the surge in housing demand,
some home buyers may have to wait
months to complete an appraisal.
Don’t wait for an appraiser. Save your
time. Close on the home you want.

Rates are expected to increase in the
near future. If you are thinking about
refinancing or purchasing, now is the
time to lock in a new rate and save
money on your mortgage.

(Some restrictions apply for this loan.)

No Appraisal Loans

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 that fit you with 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.


Home Loans





*APR = Annual Percentage Rate. See full disclosures >>

30 Year Fixed




20 Year Fixed




15 Year Fixed




10 Year Fixed




5/1 ARM




7/1 ARM




10/1 ARM




Jumbo, FHA and VA Loans

Our standard loans may not fit your needs. That’s why we also offer Jumbo and government-issued loans.

Learn more about these 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.

Learn more about Equity Line Plus

Home Insurance

The TruStage Home Insurance Program provides top-quality protection for your home, with discounted rates for Unitus members.

Learn more

Mortgage Calculators

We offer a full suite of calculators to help you do the math on home loans, refinancing, home affordability, and more.

Explore the calculators

Question about your existing home loan?

For billing, statements, payments, and insurance inquiries on your existing first mortgage loan, call 1.877.877.8367, or email us.

Contact one of our Home Loan Experts today, or visit our interactive Unitus Pathfinder tool to explore your home loan options and learn more about the process. 


Large home exterior at night

Meet Our Home Loan Experts

Each of our Home Loan Experts has the experience and knowledge to answer your questions and help you down the path to homeownership. Contact one of our Home Loan Experts today, or reach out to us using our online inquiry form and one of our experts will get in touch with you right away.

  • Mortgage Relationship Officer Kris Kirkevold
    Kris Kirkevold

    Serving our Mill Plain branch
    Contact Kris

  • Marc Knutson
    Marc Knutson

    Serving our Peterkort branch
    Contact Marc

  • Brad Goodenough
    Brad Goodenough

    Serving the greater Portland area
    Contact Brad

  • Dane Wirfs
    Dane Wirfs

    Serving our Clackamas branch
    Contact Dane

  • Kevin Moon

    Serving our Beaverton branch
    Contact Kevin

  • Phaysy Allen

    Serving our Salem branch
    Contact Phaysy

  • Mortgage Relationship Officer John Martinez
    John Martinez

    Serving our Mall 205 branch
    Contact John

  • Mortgage Relationship Officer Doug Davis
    Doug Davis

    Serving our Unitus Plaza branch
    Contact Doug

  • mortgage relationship officer sarina cruz
    Sarina Cruz

    Serving our Tanasbourne branch

  • mortgage relationship officer michelle hollenbeck
    Michelle Hollenbeck

    Serving our North Williams branch and the greater Portland area

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