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Home Loans

Whether you’re buying your first, upgrading, or looking for something that fits life’s next chapter – our expert home loans team has you covered. You’ll find competitive rates, local knowledge, and one-on-one guidance waiting for you with every home loan.

LOW RATES

We keep our rates competitive and offer a wide variety of mortgage options to fit your ambitions, your budget and your life.

LOCAL DECISIONS

We're based right here in Vancouver, WA, so our home loan officers can provide the most accurate and up-to-date decisions.

ONE-ON-ONE GUIDANCE

Our home loan professionals are ready to help you find the mortgage solution that works best for your needs.

Open the door to what's possible.

Apply for a home loan in minutes

Get a custom rate quote

View Our Mortgage Programs

First-time home buyer

Our special programs and one-on-one guidance alleviate many challenges first-time home buyers experience. Keeping with the credit union philosophy, we help first-time home buyers gain knowledge to make the right mortgage decision for them. Plus, we attend the loan closing to answer any last-minute questions.

fixed rate mortgage

A Columbia fixed rate mortgage maintains its original interest rate throughout the term of the loan. It’s a great option if you plan to stay in your home for a long time or if you prefer the security of a fixed rate.

– 15, 20, and 30-year terms available.

– Ideal for long-term homeownership.

– Available for primary residence, second homes, and investment properties.

home construction loan

Build your dream home with help from Columbia Credit Union Home Loans. We offer two affordable programs, plus our ten-time “Best of Clark County” award-winning service.

– Choose between two popular programs: Adjustable Rate or Fixed Rate.

– Interest-only payments during construction phase.

– Generous construction phase – up to 12 months.

land loan

A Lot or Land loan helps finance the purchase of a residential lot or land so you’re ready to construct your new home in the near future.

– For residential lots or unimproved land.

– Competitive fixed rates.

– Up to 75% loan value of purchase price.

– Local decisions, personal service.

– Easy conversion to a construction loan – contact us to learn more.

living green mortgage

Columbia Credit Union’s Living Green Mortgage can save you up to $500 when your home is certified for energy efficiency through LEED, Energy Star, or Earth Advantage.

80+20 Home loan

You’ve been renting here while you’re selling your place “back there.” And now you’re ready to put down roots. Or, the kids are old enough for you to want to live in a great school district.

– Affordable. Zero down payment.

– Flexible. Seller contributions allowed.

– No PMI.

– 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.

30/15 Balloon mortgage

This fixed-rate mortgage is otherwise known as a 30/15. It is amortized like a 30-year mortgage, but at the end of 15 years, the remaining balance (a.k.a. the balloon) comes due. This means you would need to pay off the loan, sell the home, or refinance within 15 years.

Live or work in Washington State or the Oregon community of Clackamas, Marion, Multnomah, and Washington Counties? Join us. Federally Insured by NCUA. Equal Housing Opportunity.

Columbia Credit Union
PO Box 324, Vancouver, WA 98666 • 360.891.4000 
• 503.285.4521