Home Mortgage Loans
People helping people buy homes
We partner with Consolidated Community Credit Union (CCCU) Mortgage Group to offer you the mortgage options you need, whether you’ve just found your dream home, want to refinance, or just need to tap into your home’s equity.
- 30-year fixed mortgages, FHA loans, VA, USDA programs, and more
- Free pre-approval
- No loan application fees
- Professional experts and personable service
- Quick and easy loan processing
And for a limited time, we’re now offering free appraisals.** Unlock your dream home with a free mortgage appraisal for any home purchase.
Getting started is easy
- Contact Brandon to get the conversation started. No commitment or credit pull.
- Free pre-approvals with no commitment required.
- Credit score is pulled when you’re ready.
Contact Brandon Frankel, Senior Mortgage Loan Officer, at (503) 872-9447, [email protected], or click the Apply Now button to get started!Apply Now
12 HOME MORTGAGE calculators to see you home
Frequently Asked Questions
The specific amount of your closing costs varies by situation. Appraisal fees, title charges, and closing fees may all vary from state to state and from lender to lender. To evaluate your closing fees, we’ve created three categories of which you should remain aware:
- Third-party fees
- Taxes and other unavoidable costs
- Lender fees
|Taxes and Other Unavoidable Costs
We collect any third-party fees and pass them on to the person who actually performed the service.
These fees will most likely have to be paid regardless of the lender you choose. If some lenders don’t quote you fees that include taxes and other unavoidable fees, don’t assume that you won’t have to pay it. It probably means that the lender hasn’t done the research necessary to provide accurate closing costs.
These fees are retained by the lender and are used to provide you with the lowest rates possible. This is the category of fees that you should compare very closely from lender to lender before deciding.
Please note, this may not be an exhaustive list.
Yes. You will be subject to closing costs if your Home Equity Line application is approved.
For specifics, please visit a branch or reach us at (503) 215-6090.
Mortgage rates are determined by the Wall Street Prime rates. When the economic outlook is good, rates tend to increase, and rates fall when it’s not so great. It seems somewhat backward, but here’s the reasoning: When the economy is doing well, borrowers can afford more. This affects the market for mortgages, which results in slightly rising rates. Conversely, when the economy declines and unemployment rates increase, interest rates fall to make it more affordable for borrowers to take out loans.
For our most current mortgage rates, visit our Rates page.
A mortgage is a loan to finance the purchase of your home. When you close on a mortgage, your home becomes collateral for the loan. You will be required to sign a legal contract stating that you promise to pay the debt, including interest and other costs, typically over the course of 15 to 30 years.
Getting pre-approved before buying a home provides you with the price range that works best with your budget. Pre-approval also makes you a more attractive applicant, as the seller knows your financing has already been approved.
Need more information?
Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.
*You must be a member of PFCU to receive a loan. Loans are subject to credit approval. APR (ANNUAL PERCENTAGE RATE). Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. All mortgages are subject to credit approval. Rates are determined by an evaluation of applicant’s credit and may vary. Other restrictions may apply. Contact the Credit Union for details.
** Appraisal value up to $800 credited after loan closing. Not valid with any other promotions. See Credit Union for details.
ADDITIONAL FEES & COSTS: Title Report and Recording. Appraisal may be required at an additional cost.