Make a house 

YOUR home.

Let us help make your dream house a reality.
When you finance your home through Our Community Credit Union, you get friendly, local service backed by a team of mortgage experts.

WHAT OUR CUSTOMERS SAY

SAVE ON YOUR 
MORTGAGE RATE 
WITH OUR UNIQUE 
LOAN PROGRAMS 

We provide solutions for all of your mortgage needs. From purchase to refinance, we offer programs to help Our Community Credit Union members finance their home. 

Maximize your purchasing power with our specialized loan products. Our 30-year fixed-rate mortgage offers a rate 0.5% below today’s standard 30-year fixed rate*, while our 5/1 and 5/5 ARMs provide initial rates 0.75% below today’s 30-year fixed rate**. Contact us today to learn more.

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About your mortgage options

We provide solutions for your unique mortgage needs. From purchase to refinance, we offer programs to help you achieve your home financing goals.

Complete Suite of 
Mortgage Programs

Affordable Down Payment Programs

Many of our loan programs offer flexible down payment requirements to make buying a new home more affordable.

Competitive Rates 
and Closing Costs

Easy Online Application

Our easy online mortgage application allows you to apply whenever works best for your schedule from virtually anywhere.

Trusted Mortgage Professionals

We are backed by a full team of trusted mortgage professionals to walk you through the mortgage process from application to closing.

Purchase or Refinance

Whether you're looking to purchase a new home or refinance your existing mortgage loan, we're here to help you with every step.

The Pricing Plan

Reinforce the reason why people use your product. Lead into the value of each plan before they proceed with their choice.

All plans include the following features as a standard of our product.

Let us help make your dream house a reality.
Start your mortgage loan application today to begin the process of getting into the home of your dreams!

Mortgage Consultant

*Jeff Prince, NMLS ID #287901 is authorized to act as an agent of Our Community Credit Union and is authorized to represent Member First Mortgage, LLC (MFM). For MLO Licensing information, please visit NMLS Consumer Access.

*Available to all eligible borrowers on a first lien purchase or refinance of a primary or secondary residence using a conventional 30-year fixed rate portfolio loan product with Our Community Credit Union. Eligible on 1-unit properties (single family residence or PUD) and double wide manufactured homes only. Example scenario, calculated 9/11/2026, assumes excellent borrower credit history and is based on a $480,000 loan amount with a 20% cash down payment from the borrower and 80% conventional financing on 30-year fixed-rate terms. Example scenario assumes an interest rate of 6.5% and an Annual Percentage Rate (APR) of 6.56% for 30 years (360 monthly principal and interest payments of $3,033.93; excluding taxes, insurance, and private mortgage insurance (PMI)(if applicable).

**Available to all eligible borrowers on a first lien purchase or rate and term refinance of a primary or secondary residence using a conventional 5/1 or 5/5 Adjustable-Rate Mortgage (ARM) portfolio loan product with Our Community Credit Union. Eligible on 1-unit properties (single family residence and PUDs) only. Example scenarios, calculated 9/11/2026, assume excellent borrower credit history and are based on a $480,000 loan amount with a 20% cash down payment from the borrower and 80% conventional financing on a 30-year ARM term. 5/1 ARM example scenario assumes an initial interest rate of 6.25% and an APR of 6.684% for the first 5 years (60 monthly P&I payments of $2,955.44); the first adjusted interest rate can increase by 2% or decrease to the rate minimum (5.25%) for 1 year (12 monthly P&I payments of $3,393-$4,240); the second adjusted interest rate can increase by 2% or decrease to the rate minimum (5.25%) for 1 year (12 monthly P&I payments of $3,393-$4,844); subsequent adjustments can increase to the rate maximum (11.25%) or decrease to the rate minimum each year for years 8-30 (annually adjusted monthly P&I payments of $3,393-$5,151); example scenario payments exclude taxes, insurance, and PMI (if applicable). 5/5 ARM example scenario assumes an initial interest rate of 6.25% and an APR of 6.684% for the first 5 years (60 monthly P&I payments of $2,955.44); the first adjusted interest rate can increase by 2% or decrease to the rate minimum (5.25%) for years 6-10 (60 monthly P&I payments of $3,393-$4,240); the second adjusted interest rate can increase by 2% or decrease to the rate minimum (5.25%) for years 11-15 (60 monthly P&I payments of $3,363-$4,778); subsequent adjustments can increase to the rate maximum (11.25%) or decrease to the rate minimum every 5 years for years 16-30 (monthly P&I payments adjusted every 5 years between of $3,393-$5,011); example scenario payments exclude taxes, insurance, and PMI (if applicable).

***This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Jeff Prince, NMLS #287901, is authorized to act as an agent of Our Community Credit Union and is authorized to represent Member First Mortgage, LLC (‘MFM’). MFM (616 44th Street SE, Grand Rapids, MI 49548 | (866) 898.1818 | NMLS ID: 149532) is a Licensed Mortgage Lender/Servicer and a partner of Our Community Credit Union (526 W. Cedar Street, Shelton, WA 98584 | (360) 426-9701 x1152 | NMLS ID: 552025). For MFM’s state disclosure information, please visit MFM’s website. For NMLS licensing information, please visit www.nmlsconsumeraccess.org | Equal Housing Opportunity.

If you have questions and want to talk about your specific situation, call our trusted Mortgage Consultants today:

Home Loan Specialist II

Ready to Get Started?

Mortgage Calculators

There are a variety of mortgage calculators for multiple mortgage scenarios. Feel free to use as needed!

Homebuying Guide

Be informed! Review best practices for finding, buying, and financing your new home – with a payment you can afford.

Get your mortgage right here at 

Our Community

Credit Union

We provide solutions for all of your mortgage needs. From purchase to refinance, we offer programs to help Our Community Credit Union members finance their home. 

Now may be the perfect time to purchase the home of your dreams or refinance your current mortgage to save money!

We offer a complete suite of mortgage programs including conventional and government loan options.

Our mortgage rates are constantly changing so that we can stay competitive in the industry. We also keep our closing costs low to help you save money.