Oregon Credit Union Mortgage Rates – When you buy a house, you really buy a house. The shopping process can be complicated, so we make it simple. Whether you’re looking to buy your first home or reduce your current loan payments with a refinance, Willamette Central Credit Union has your back, and that means we’ll work with you to choose the right financing option that works for you and your family. We will work close to you. We offer competitive prices and first class service – that’s our difference.
With years of experience in banking and real estate, Kelsey knows how important it is to have a professional who understands the industry and listens to your needs. He has extensive knowledge of local markets and a passion for helping members. When not helping members, Kelsey can be found working in the race shop with her husband on their race cars.
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Jay has worked in the banking industry since 2007 and enjoys creating financial solutions for members. Whether you’re looking to buy your dream home or refinance your current mortgage, you can be sure you’re in good hands. When he’s not helping members with their real-life mortgage needs, Jay spends time at home with his two cats, Camille and Kevin.
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Let’s get started, check out our handy mortgage calculator to see what you might qualify for. And if you’re ready to apply, you can do so below.
Ready to start your home buying journey? Fill out this contact form and we’ll get in touch with you.
Before your first meeting with a mortgage loan officer, gather the documents we need to make the most of your meeting time and get your application in as quickly as possible:
Prices may change frequently. You can check our rates online, but for the most up-to-date information, call (541) 928-4536 or (800) 950-4536 or visit one of our branches.
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Central Willamette offers a wide range of competitive mortgage products and services. You can visit our myCUmortgage page to apply for a mortgage pre-approval and start your own home ownership journey.
If you paid more than $600 in mortgage payments during the year, you will receive a tax form 1098. This form will be sent to you by 31 January of the following year in which the interest was paid.
We currently offer the option to pay your loan with a debit card. Use this payment link.
Yes, you can make loan payments from your Willamette Central checking account by logging into online banking and clicking on Transfer.U.S. pay Long-term mortgage rates rose this week but remain near historic lows. The Federal Home Mortgage Corporation (Freddie Mac) reported Thursday that the average 30-year mortgage rate rose to 3.02% from 2.97% last week.
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According to Freddie Mac, the lowest rate was 2.65% in the second week of January 2021, and mortgage rates have risen more than 30 basis points since then.
The average interest rate on 15-year fixed rate loans, which are popular with those looking to refinance their mortgages, rose to 2.34% from 2.21% last week.
While economists expect a modest increase in household debt ratios this year, interest rates are likely to remain low while the Federal Reserve keeps interest rates close to zero until the economy recovers, the Associated Press reported.
Some experts recommend that your credit is excellent, you have the money to pay off a new loan, and you can lower your interest rate by 1% or more. But remember, refinancing restarts the clock on a 30-year loan.
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The lender can tell you exactly how much lower your monthly mortgage payment will be with the lower interest rate.
What is the monthly difference between 3% and 4% interest? Here are examples based on Portland residential properties for sale. The calculations are roughly:
9912 N.W. Wind Ridge Dr. in the Portland Forest Park neighborhood listed by Susan Baricewicz Murphy of (W)here, Inc. (W)here, Inc.
Portland’s most expensive home for sale: 9912 N.W. Dr. Wind Ridge in the Forest Park neighborhood listed for $7,778,500.
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Built in 2003 on 9.74 acres, the state-of-the-art mansion features a music room, indoor pool, four bedrooms, five full bathrooms, four powder rooms and 11,363 square feet of living space. There is a detached house and garages for six cars.
“A masterpiece of light and design, this Pacific Northwest architectural contemporary is filled with incredible statement pieces … a unique opportunity for the lovers of life,” said listing agent Susan Baricewicz Murphy of (W)here, Inc.
Estimated monthly payment for principal, interest, property taxes and homeowner’s insurance after a 20% down payment of $1,555,700:
5350 N.W. Rubicon Lane in Portland’s Forest Park neighborhood is listed by Yonette Fine of Living Room Realty.
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The contemporary home, built in 2016, has six bedrooms, 8.5 bathrooms and 9,232 square feet.
The 1.09 acre property has a pool and spa, putting green, sand pit, bocce court, lawns, fountains, raised green beds and a secure dog fence.
“The unique resort … represents elegant affordability with indoor-outdoor living that combines contemporary aesthetics with natural materials in the home, landscape and garden,” said listing agent Yonette Fine of Living Room Realty.
Estimated monthly payments for principal, interest, property taxes and homeowner’s insurance after a 20% down payment of $780,000:
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1150 N.W. #1912 Quimby St. in Portland’s Pearl District is listed by Marilyn Andersen and Hannah Miller of Hoyt Realty Group. Hoyt Realty Group
The modern penthouse, built in Vista North Pearl condominiums 2018, has 180 degree views from wide windows and two large terraces.
There is a gas fireplace, bonus room, two bedrooms, 2.5 baths and 2,715 square feet of living space. The kitchen has Wolf appliances, quartz counters and an island.
Homeowner association dues are $1,324 per month and include concierge services, shared outdoor patio with fireplace and use of two guest rooms. This apartment comes with two covered parking spaces and a large storage room.
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“This unit has luxurious finishes, including European white hardwood floors,” said listing agent Marilyn Andersen with Hannah Miller of Hoyt Realty Group.
Estimated monthly payments for principal, interest, property taxes, homeowner association fees and homeowner’s insurance after a 20% down payment of $558,400:
3925 N.E. Mallory Avenue in Portland’s King neighborhood is listed by Stephen FitzMaurice and Jennifer Tangwald of eXp Realty.eXp Realty.
The living room has floor to ceiling windows and a spacious built-in fireplace. The formal kitchen has a wall mounted fridge and the pantry has gas appliances and a heater and fridge.
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Master suite opens to private deck. Four more bedrooms, 5.5 bathrooms and 3,644 square meters of living space. Studio and two bedroom apartments have their own entrance.
“Fourth floor entertaining space with gas fireplace and access to two separate decks with gas hookups,” said listing agent Steven FitzMaurice with Jennifer Tangwald of eXp Realty.
Estimated monthly payment for principal, interest, property taxes and homeowner’s insurance after a 20% down payment of $279,980:
1613 S.E. Casar E Chavez Blvd. Listed in Portland’s Richmond neighborhood by Dar Rogers with Doug Mavrolas of Keller Williams’ Sunset Corridor. Keller Williams Sunset Corridor
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Portland Average List Price: 1613 S.E. Casar E Chavez Blvd. listed for $500,000 in the Richmond area.
A historic bungalow from 1910 converted into a duplex. The ground level accommodation has original wooden floors, mouldings, coffered ceilings, built-in cupboards and a fireplace. The updated kitchen has stainless appliances, three bedrooms, two bathrooms and 1,848 square meters of living space.
Upstairs there is a full kitchen, a bedroom with an office or wardrobe and an attached bathroom.
“A great location close to the Hawthorne area that offers dining, retail and entertainment,” said listing agent Dar Rogers with Doug Mavrolas of Keller Williams’ Sunny Corridor.
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Estimated monthly payments for principal, interest, property taxes and homeowner’s insurance after a 20% down payment of $100,000:
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After recently hitting their lowest level since early February, 30-year mortgage rates rose on Thursday – adding almost a tenth of a percentage point to an average of 7.34%. Interest rates for most other new purchase loans also rose.
Rates vary widely between lenders, so it’s always a good idea to research your best mortgage option and compare rates regularly, regardless of what type of mortgage you’re looking for.
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The national average of the lowest rates offered by over 200 of the country’s top lenders with a loan-to-value (LTV) ratio of 80%, an applicant with a FICO credit score of 700-760, and
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