Home Loans

HOME LOANS

Let's get you home.

Whether you’re buying your first, upgrading, or looking for something that fits life’s next chapter—our local experts have you covered. Not sure where to start? Call our team or scroll down to find our best mortgage rates.

HOME LOANS

Let's get you home.

Whether you’re buying your first, upgrading, or looking for something that fits life’s next chapter—our local experts have you covered. Not sure where to start? Call our team or scroll down to find our best mortgage rates.

I'm looking to...

Buy My First Home

Find workshops and mortgage programs made to get first-time homebuyers home.

Purchase Land

Lock down your lot with a Lot or Land Loan so you're ready to build as soon as possible.

Buy and Renovate

Use a Renovation Loan to buy and renovate with a single loan based on expected value.

Build My Dream Home

Custom Construction Loans roll construction-phase financing into your permanent mortgage.

Refinance

Refinance your home mortgage with a better rate to enjoy lower payments.

Buy a 2nd Home

Find the right mortgage option to seal down your second property.

HOME LOANS

Purchase Rates

Updated on May 28, 2024

15-year fixed

30-year fixed

Jumbo 15-year fixed

Jumbo 30-year fixed

VA 30-year fixed

FIRST-TIME HOMEBUYERS

Feel like you'll never get into a home of your own?

We get it. That’s why we offer workshops for first-time-homebuyers, mortgage programs with low down payment options, and one-on-one guidance for the home loan process.

Register for one of our free workshops to learn about:

  • Getting ready to buy
  • The home buying process
  • Home owning tips + take home materials

FIRST-TIME HOMEBUYERS

Feel like you'll never get into a home of your own?

We get it. That’s why we offer workshops for first-time-homebuyers, mortgage programs with low down payment options, and one-on-one guidance for the home loan process.

Register for one of our free workshops to learn about:

  • Getting ready to buy
  • The home buying process
  • Home owning tips + take home materials

Not sure where to start?

Meet with one of our Home Loan Officers to find what’s right for you.

Get up to 100% financing with a VA loan.

Find low or no down payment mortgage options backed by the Veterans Benefits Administration. Service members, veterans, and eligible surviving spouses can access great programs to purchase, refinance, and make improvements with help from the VA and Columbia Credit Union.

Get up to 100% financing with a VA loan.

Find low or no down payment mortgage options backed by the Veterans Benefits Administration. Service members, veterans, and eligible surviving spouses can access great programs to purchase, refinance, and make improvements with help from the VA and Columbia Credit Union.

Need to buy before your old home closes?

A Bridge Loan gives you short-term cash while you wait for your old home to close.

Need to buy before your old home closes?

A Bridge Loan gives you short-term cash while you wait for your old home to close.

Federal Housing Administration Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration, allowing you to finance your home with a down payment as low as 3.5%. These are especially popular with first-time homebuyers.

Federal Housing Administration Loan

An FHA Loan is a mortgage that’s insured by the Federal Housing Administration, allowing you to finance your home with a down payment as low as 3.5%. These are especially popular with first-time homebuyers.

Imagine your life mortgage-free.

How does owning your home free and clear sound? It’s easy to do with a RetireIt! Mortgage from Columbia Credit Union.

Our RetireIt! Mortgage is a great refinance option to help you pay off your mortgage faster before you reach retirement. Enjoy competitive rates and shorter terms from 5 to 12 years.

Imagine your life mortgage-free.

How does owning your home free and clear sound? It’s easy to do with a RetireIt! Mortgage from Columbia Credit Union.

Our RetireIt! Mortgage is a great refinance option to help you pay off your mortgage faster before you reach retirement. Enjoy competitive rates and shorter terms from 5 to 12 years.

Refinance your home mortgage.

Refinance your home mortgage with a better rate to enjoy lower monthly payments. You can apply for a loan online or use our calculator to see what you could save by refinancing now.

Refinance your home mortgage.

Refinance your home mortgage with a better rate to enjoy lower monthly payments. You can apply for a loan online or use our calculator to see what you could save by refinancing now.

CALCULATORS

Mortgage Calculator

Use our handy mortgage calculators for budgeting help, loan calculations, and more.

CALCULATORS

Mortgage Calculator

Use our handy mortgage calculators for budgeting help, loan calculations, and more.

Mortgage Programs

  • For 10, 15, 20, and 30 year terms
  • Ideal for long-term homeownership
  • Available for primary residence, second homes, and investment properties

Adjustable Rate Mortgages – Enjoy a lower monthly payment.

  • 5/6, and 7/6 ARMs

Low down payments for first-time homebuyers.

  • As low as 3% down payment
  • Down payment funds can be gifted
  • Fixed rate loan with terms up to 30 years
  • Available for primary residence purchases only with LTV ratios greater than 95% up to 97%
  • Not available for manufactured homes
  • At least one borrower must be a first-time home buyer

With our 80-20 Home Loan, 80% of the purchase is the 1st mortgage, and 20% is the 2nd. $0 down payment.

  • 80% of the purchase is your 1st mortgage, which will have a 30-year amortization with a 15-year balloon payment
  • 20% of your purchase (essentially your down payment) will also have a 30-year amortization with a 15-year balloon payment
  • No PMI

Sign one set of documents, pay one set of fees, and save time and money as your construction-phase financing rolls into your permanent mortgage.

  • Choose between an adjustable or fixed rate
  • Interest-only payments during construction phase (up to 12 months

Buy and renovate with a single loan based on expected value.

Lock down your lot so you’re ready to build.

  • For residential lots or unimproved land
  • Fixed rates
  • Up to 75% loan to value of purchase price
  • Easy conversion to a construction loan
  • A short term loan option for homebuyers who don’t sell their current home before closing on a new one.

Save up to $500 for energy efficient homes.

  • Home must be certified through LEED, Energy Star, or Earth Advantage
  • Call 360.891.4028 or schedule an appointment to learn more

Retire your payments by refinancing and entering retirement mortgage free.

  • Terms from 5 to 12 years
  • Low rates
  • $500 closing cost for WA; $1000 for OR

Financial education lesson

Should I refinance my mortgage?

Read the article to learn about refinancing your mortgage.

Financial education lesson

Should I refinance my mortgage?

Read the article to learn about refinancing your mortgage.

From Our Blog

Home Mortgage Refinancing Basics

Take a look at some common reasons to refinance your loan and questions you should ask before you embark on your home refinancing journey.