Whether you’re purchasing your very very very first, updating, or interested in one thing

Whether you’re purchasing your very very very first, updating, or interested in one thing

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

I am trying to.

Purchase my very first house

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

Buy land

Lock down your great deal with a great deal or Land Loan so that you’re willing to build 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 Renovation Loan to purchase and renovate having a loan that is single on anticipated value.

Maybe maybe Not yes how to start?

Speak to certainly one of our mortgage loan Officers to get what’s right for you personally.

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

We obtain it. That’s why we provide workshops for first-time-homebuyers, home loan programs with low deposit choices, and private guidance for the house loan procedure.

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

  • Preparing to purchase
  • payday loans in Illinois

  • Your home buying procedure
  • Home tips that are owning 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

Utilize our handy home loan calculators for budgeting help, loan calculations, and much more.

This credit union is simply the IDEAL!

Happy House Owner

You cannot ensure it is any easier!

We appreciate Columbia Credit Union’s easy and quick 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
  • Designed for main residence, 2nd domiciles, and investment properties

Adjustable price Mortgages – Enjoy a lowered payment per month.

Minimal down payments for first-time homebuyers.

  • Only 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 higher than 95% as much as 97%
  • Maybe maybe Not readily available for manufactured houses
  • One or more debtor should be a first-time house customer

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

  • 80% associated with purchase is the first home loan, that will have 30-year amortization with a balloon payment that is 15-year
  • 20% of the purchase (essentially your deposit) will even have 30-year amortization having a 15-year balloon repayment
  • No PMI

Indication one pair of documents, spend one group of charges, and save yourself money and time as the construction-phase financing rolls into the permanent mortgage.

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

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

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

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

A term that is short selection for homebuyers whom don’t offer their present house before closing on a fresh one.

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

  • House should be certified through LEED, Energy celebrity, or Earth Advantage
  • Call 360.891.4028 or schedule a scheduled appointment 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
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