That fits life’s next chapter—our experts that are local you covered.

I am trying to.

Purchase my very very first house

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

Buy land

Lock down your great deal with a whole lot or Land Loan and that means you’re willing to build https://titlemax.us/payday-loans-wi/ at the earliest opportunity.

Build my dream house

Personalized Construction Loans roll construction-phase financing to your permanent home loan.

Purchase and renovate

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

Maybe perhaps maybe Not certain how to start?

Talk with certainly one of our mortgage loan Officers to locate what’s right for you personally.

Feel just like you might never get into a true house of our very 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 one-on-one guidance for your home loan procedure.

Sign up for certainly one of our workshops that are free read about:

• Preparing to purchase
• The house 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 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 only the BEST!

Happy Property Owner

You cannot allow it to be any easier!

I appreciate Columbia Credit Union’s easy and quick applications that are online deals.

Mortgage Programs

Fixed price Mortgages – Keep your interest constant.

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

Adjustable Rate Mortgages – Enjoy a reduced payment that is monthly.

Minimal down 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
• Readily available for primary residence acquisitions just with LTV ratios higher than 95% as much as 97%
• Maybe perhaps maybe Not readily available for manufactured homes
• A minumum of one debtor needs to be a home buyer that is first-time

With this 80-20 Home Loan, 80% associated with purchase may be the 1 st mortgage, and 20% could be the 2 nd. $0 advance payment.

• 80% associated with the purchase is the first mortgage, that will have 30-year amortization with a balloon payment that is 15-year
• 20% of the purchase (essentially your advance payment) may also have 30-year amortization having a 15-year balloon repayment
• No PMI

Indication one pair of papers, spend one collection of costs, and conserve time and money as your construction-phase funding rolls to your permanent home loan.

• Select from an adjustable or fixed price
• Interest-only re re payments during construction period (up to year)
• Save $100 on loan charges whenever you put up automated mortgage payments from your own Columbia bank checking account

Purchase and renovate with a solitary loan based on anticipated value.

Lock down your great deal so that you’re prepared to build.

• For domestic lots or unimproved land
• Fixed prices
• As much as 75per cent loan to value of price
• Simple conversion up to a construction loan

A term that is short selection 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 Star, or Earth Advantage
• Phone 360.891.4028 or schedule a consultation for more information

Retire your repayments by refinancing and entering your retirement mortgage free.

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