We’ll be closing at 1:30 pm on Wednesday, April 24 for our 61st Annual Meeting. We’ll resume regular business hours the following day, April 25.

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Mortgage Loans

Home Mortgage Loans

Starting fresh or refinancing? Low-rate home loans of every shape and size
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Effective Date as of 04/18/2024

15-Year Fixed


% APR*

as low as

30-Year Mortgage


% APR*

as low as

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CCCU Contact Info

Brandon Frankel
Senior Mortgage Loan Officer
1033 NE 6th Ave.
Portland, OR 97232

NMLS ID: 586434

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

  1. Contact Brandon to get the conversation started. No commitment or credit pull.
  2. Free pre-approvals with no commitment required.
  3. 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

Frequently Asked Questions

To calculate the cost of refinancing your first mortgage use one of our Financial Calculators or speak with one of our representatives for assistance.

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:

  1. Third-party fees
  2. Taxes and other unavoidable costs
  3. Lender fees
Third-Party Fees Taxes and Other Unavoidable Costs Lender Fees
  • Appraisal fee
  • Credit report fee
  • Settlement/closing fee
  • Survey fee
  • Tax service fee
  • Title insurance fee
  • Flood certification fees
  • Courier/mailing fees

We collect any third-party fees and pass them on to the person who actually performed the service.

  • State/Local Taxes and
  • Recording fees

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.

  • Points
  • Document preparation fees
  • Loan processing fees

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.

For more information, please visit our Mortgage page or apply today!

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.