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.
Goodbye landlord. Hello home ownership!
Our First-Time Home Buyer program allows you to own a home with zero money down. Zip. Zero. Zilch.
Increase your purchasing power with an ARM!
Did you know with a 10/1 ARM you can keep your payments around the same as a 30-year fixed loan but borrow up to an additional $40,000? Take advantage of this option and get into the home of your dreams!
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.
NEW! First Time Home Buyer Program
This program is 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
20 Year Fixed
15 Year Fixed
10 Year Fixed
30 Year Fixed First-Time Homebuyer
5/5 ARM First-Time Homebuyer
*APR = Annual Percentage Rate. See full disclosures >>
Home Loan Rates current as of 11/16/18.
New! Renovate Home Loan
A convenient and flexible way to repair and make improvements to the home you’re buying in an all-in-one home loan. You borrow the amount needed for the cost of the home plus renovations.
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.
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.
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.)
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.