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.

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.

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.

Not sure where to start?

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

HOME LOAN

Purchase Rates

Updated on September 22, 2021

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

Bridge Loans

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.

 FHA Loans

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.

Home Loans for Veterans

Get up to 100% financing through the VA

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

Refinance Calculator

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.

Mortgage Forbearance

Mortgage Forbearance Due to COVID-19

If you have a mortgage with Columbia CU, you can temporarily suspend all or a part of your monthly mortgage payments for up to 6 months due to COVID-19 financial hardship with no additional fees, penalties, or additional interest (beyond scheduled amounts). To learn more about forbearance, read the FAQs below, log into Online or Mobile Banking, or visit the Cenlar mortgage service website to complete an assistance request form.

Mortgage Calculator

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

Mortgage Programs

Mortgage Programs

Applying for a Mortgage

Before applying for a mortgage, learn some basic information to help guide you through the process.