Columbia CU Home Loans: Competitive Rates & Local Expertise

Meet our Home Loans Team

With years of experience putting families into homes in Washington State and Oregon, our loan officers are ready to help make your homeownership dreams come true!

Jeff Day

Home Loan Officer

The best part about my job is helping people with their finances and finding solutions that best fit their needs. I’d be happy to help you with your home loan.

NMLS number 492108

Cascade Park | Washougal | Riverstone

Suzi Locke

Home Loan Officer

I truly enjoy helping our members achieve their overall financial goals, whether that is exploring a refinance for a better rate or buying their first or next home.

NMLS number 492075

Scotton Landing | Eastridge | Orchards | Battle Ground

Candi Pratt

Home Loan Officer

I’m all about empowering first-time home buyers to achieve their home ownership dreams. It’s a dream we can achieve together. Feel free to reach out any time.

NMLS number 1130390

Downtown | Ridgefield | Hazel Dell | Salmon Creek

Todd Twardowski

Home Loan Officer

I’m here to guide you toward homeownership with seamless, personalized solutions. Reach out about purchasing, refinancing, or any other questions and we can get started.

NMLS number 624014

Grand Central | Buckman/Portland | Fourth Plain

Al Iftiger

VP Home Lending

With over 20 years in the mortgage industry, I lead our home lending team with a focus on delivering competitive products and exceptional service. I’m committed to making Columbia CU the top choice for home financing.

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What should I expect when meeting with a home loan officer?

Not sure where to begin? A Columbia Credit Union home loan officer is here to help you get started on the homeownership journey.

Expect to discuss your income, debts, and credit to see how much you can afford. Be sure to bring important documents, including:

Pay stubs or invoices
Tax returns
Bank statements
Identification, such as a driver’s license
Bills providing proof of address

The officer will explain loan options, interest rates, and next steps so you understand your choices. Don’t be afraid to ask questions — we’re here to help guide you.

What should I expect when meeting with a home loan officer?

Not sure where to begin? A Columbia Credit Union home loan officer is here to help you get started on the homeownership journey.

Expect to discuss your income, debts, and credit to see how much you can afford. Be sure to bring important documents, including:

Pay stubs or invoices
Tax returns
Bank statements
Identification, such as a driver’s license
Bills providing proof of address

The officer will explain loan options, interest rates, and next steps so you understand your choices. Don’t be afraid to ask questions — we’re here to help guide you.

What questions should I ask when meeting a home loan officer?

Now is your chance to get all the information you need. No issue is unimportant, but critical issues to focus on at this point include:

What loan types do you qualify for?
What down payment is required?
Interest rates and likely monthly payments
What closing costs do you need to cover?
Do you qualify for any first-time buyer programs?

You should ask how your credit score affects your options and how improving it might help. Finally, ask for a detailed estimate so you can compare offers from different lenders.

What questions should I ask when meeting a home loan officer?

Now is your chance to get all the information you need. No issue is unimportant, but critical issues to focus on at this point include:

What loan types do you qualify for?
What down payment is required?
Interest rates and likely monthly payments
What closing costs do you need to cover?
Do you qualify for any first-time buyer programs?

You should ask how your credit score affects your options and how improving it might help. Finally, ask for a detailed estimate so you can compare offers from different lenders.

How to apply for a home loan

Apply Online: Click the link below or stop by a branch to start your pre-approval process.
Submit the Application: Complete your online application and upload the required documents.
We’ll Contact You: We’ll review your application and reach out to you with a pre-approval decision.

How to apply for a home loan

Apply Online: Click the link below or stop by a branch to start your pre-approval process.
Submit the Application: Complete your online application and upload the required documents.
We’ll Contact You: We’ll review your application and reach out to you with a pre-approval decision.

Home Loan Officer FAQs

What does a mortgage loan officer do?

Our mortgage loan officers help you understand loan options and will guide you through the application process. They’ll start by reviewing your finances to see what loans you qualify for and explain terms and costs. They also collect paperwork, submit your application, and communicate with underwriters. They should keep you updated throughout the process and help resolve any issues that come up.

When should you contact a loan officer?

It’s never too soon to start the conversation about homeownership. Not ready to buy yet, but starting to think about it? Talk to our loan officers about what you can do to prepare. Have your eye on a property, or need to find a home for your growing family? It’s time we spoke!

Why choose a home loan officer from Columbia Credit Union?

Columbia Credit Union home loan officers have the in-depth knowledge and local expertise you need when buying a home. Our officers bring years of local decision-making and a great record of helping families get into homes. They’ll do everything in their power to find a financing option that helps you meet your homeownership goals.

Do I qualify for membership with Columbia Credit Union?

Columbia Credit Union membership is open to individuals and businesses in Washington State and in the Oregon communities of Clackamas, Marion, Multnomah, and Washington Counties (and to families of eligible individuals).

Here are other useful pages for your home loan journey

Home Loans

The PNW is a great place to put down roots. Whether you’re starting out or ready for what’s next, we offer home loans tailored to your specific needs.