Home Loans

Your friendly mortgage lender specializing in serving Portland, Vancouver and Salem. Unitus offers great home loan rates and a team of Experts dedicated to helping you realize your dreams of homeownership.

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:

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.

Home 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, Vancouver and Salem housing markets. 

No Appraisal Home Loans

Don’t wait for an appraiser. Save your time. Close on the home you want.

young woman jumping into arms of male, first time homeowners

Goodbye landlord. Hello home ownership!

Our First Time Homebuyer program allows you to own a home with zero money down. Zip. Zero. Zilch.

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 Homebuyer 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

Product

Rate

APR*

Points

30 Year Fixed

2.750%

2.896%

1.250

15 Year Fixed

2.375%

2.609%

1.020

5/6 ARM

2.625%

2.755%

0

5/5 ARM First Time Homebuyer

3.625%

2.733%

0

10/6 ARM No Appraisal

3.125%

3.025%

0

*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 10/30/2020 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.

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

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.

Attend our next home buying seminar

Reverse Mortgage

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.)

To learn more, contact one of our home loan experts today!

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.

Home Loan Rates: Beautiful home exterior lit up 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.

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