That fits life’s next chapter—our experts that are local you covered.
I am trying to.
Purchase my first house
First-time homebuyers have actually started to the right destination. Our workshops and home loan programs are created to enable you to get home.
Purchase land
Lock down a lot to your lot or Land Loan and that means you’re willing to build as quickly as possible.
Build my dream house
Personalized Construction Loans roll construction-phase financing into the permanent home loan.
Purchase and renovate
Make use of Renovation Loan to get and renovate by having a solitary loan based on expected value.
Maybe Not certain how to start?
Talk with one of our mortgage loan Officers to locate what’s right for your needs.
Feel you might never enter into a true home of our very own?
It is got by us. 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 certainly one of our workshops that are free find out about:
- Preparing to purchase
- Your home buying procedure
- Home purchasing tips + take home materials
Need certainly to purchase before your old home closes?
A Bridge Loan provides you with cash that is short-term you watch for your old home 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 BEST!
Happy House Owner
You cannot allow it to be any easier!
We appreciate Columbia Credit Union’s fast and simple applications that are online transactions.
Mortgage Programs
Fixed price Mortgages – maintain your rate of interest constant.
- For 10, 15, 20, and 30 year terms
- Perfect for long-lasting homeownership
- Designed for primary residence, 2nd domiciles, and investment properties
Adjustable price Mortgages – Enjoy a lesser payment per month.
Minimal down re re 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
- Designed for main residence acquisitions just with LTV ratios more than 95% as much as 97%
- Perhaps maybe perhaps Not readily available for manufactured houses
- One or more borrower should be a home buyer that is first-time
With your 80-20 Home Loan, 80% associated with the purchase could be the 1 st mortgage, and 20% could be the 2 nd. $0 deposit.
- 80% associated with purchase is the first home loan, that will have 30-year amortization having a balloon payment that is 15-year
- 20% of the purchase (essentially your advance payment) may also have 30-year amortization by having a balloon payment that is 15-year
- No PMI
Indication one group of papers, spend one group of charges, and save your self money and time as your construction-phase funding rolls into the permanent home https://spot-loan.net/payday-loans-ia/ loan.
- Choose from an adjustable or rate that is fixed
- Interest-only re re re payments during construction period (up to year)
- Save $100 on loan charges once you put up automated mortgage repayments from your own Columbia account that is checking
Buy and renovate having a solitary loan based on anticipated value.
Lock down your lot and that means you’re prepared to build.
- For domestic lots or unimproved land
- Fixed prices
- As much as 75per cent loan to worth of price
- Effortless conversion to a construction loan
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 efficient houses.
- House should be certified through LEED, Energy celebrity, or Earth Advantage
- Call 360.891.4028 or schedule a consultation for more information
Retire your instalments by refinancing and retirement that is entering free.
- Terms from 5 to 12 years
- Minimal prices
- $500 closing price for WA; $1000 for OR