Whether you’re purchasing your very first, upgrading, or to locate one thing

That fits life’s next chapter—our local specialists have you covered.

I am trying to.

Purchase my first house

First-time homebuyers have actually arrive at the right place. Our workshops and home loan programs are created to enable you to get house.

Purchase land

Lock down your great deal with a whole lot or Land Loan and that means you’re willing to build at the earliest opportunity.

Build my dream house

Personalized Construction Loans roll construction-phase financing into the permanent home loan.

Purchase and renovate

Make use of a Renovation Loan to purchase and renovate having a solitary loan based on anticipated value.

Perhaps perhaps Not yes how to start?

Talk with certainly one of our mortgage Officers to get what’s right for your needs.

Feel just like you might never enter into house of our very very own?

We obtain it. That’s why we provide workshops for first-time-homebuyers, home loan programs with low advance payment choices, and guidance that is one-on-one the house loan procedure.

Sign up for one of our free workshops to find out about:

  • Preparing to purchase
  • Your home buying procedure
  • Home purchasing tips + take home materials

Have to purchase before your old home closes?

A Bridge Loan offers you cash that is short-term you watch for your old house to shut.

Mortgage Calculators

Make use of our handy home loan calculators for budgeting help, loan calculations, and much more.

This credit union is simply the IDEAL!

Happy Property Owner

You cannot ensure it is any easier!

We appreciate Columbia Credit Union’s fast and simple applications that are online deals.

Mortgage Programs

Fixed price Mortgages – maintain your rate of interest constant.

  • For 10, 15, 20, and 30 terms year
  • Perfect for long-lasting homeownership
  • Readily available for main residence, second domiciles, and investment properties

Adjustable Rate Mortgages – Enjoy a lowered payment per month.

Low down payments for first-time homebuyers.

  • As little as 3% advance payment
  • Advance payment funds may be gifted
  • Fixed price loan with terms as much as 30 years
  • Readily available for main residence acquisitions just with LTV ratios more than 95% as much as 97%
  • Maybe perhaps maybe Not readily available for manufactured houses
  • A minumum of one debtor should be a first-time home customer

With your 80-20 Home Loan, 80% regarding the purchase may be the 1 st mortgage, and 20% may be the 2 nd. $0 deposit.

  • 80% of this purchase will be your 1st home loan, that will have 30-year amortization with a balloon payment that is 15-year
  • 20% of one’s purchase (essentially your advance payment) will even have 30-year amortization having a 15-year balloon repayment
  • No PMI

Indication one collection of papers, pay one pair of fees, and save yourself money and time as your construction-phase funding rolls into the permanent home loan.

  • Choose from an adjustable or fixed price
  • Interest-only re payments during construction stage (up to year)
  • Save $100 on loan costs once you put up automated mortgage repayments from your own Columbia bank checking account

Purchase and renovate by having a solitary loan based on expected value.

Lock down your great deal and that means you’re willing to build.

A short-term loan choice for homebuyers whom don’t offer their present house before closing in a fresh one.

Cut back to $500 for power homes that are efficient.

  • House should be certified through LEED, Energy celebrity, or Earth Advantage
  • Phone 360.891.4028 or schedule a consultation for more information

Retire your repayments by refinancing and retirement that is entering free.

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