Mortgage Loans

Purchasing a house is among the largest and most important purchase you will ever make.  Our staff are here to help you navigate this journey.  Through our various loan options, our local staff are here to work with you to find the best loan to fit your needs. 

A variety of mortgage options to fit your needs:

  • Conventional, FHA, VA or USDA loans with fixed or variable rates.
  • Investment rental property options
  • No prepayment penalties
  • Pre-qualifications available

Call 541-889-3149 for current rates or to schedule an appointment with one of our mortgage professionals. 


Term Interest Rate APR*
20 YEAR 3.85% 4.00%
15 YEAR 3.50% 3.70%
10 YEAR 3.00% 3.25%

ARM loans also available. Check with Malheur Federal Credit Union regarding ARM loan rates.

Property Types: Owner Occupied, Single Family Residences or 2nd home (2nd Home loans have a maximum term of 15 years.)
Fees: 1% loan origination fee
LTV: Maximum 80%
Exceptions: Investment properties, second homes and manufactured homes considered on an exception basis with management approval.

Mortgage Loans

Minimum Requirements to be pre-approve.

  • A member at Malheur Federal Credit Union
  • ITIN Number
  • Identification (matricula consular, driver license, or passport)
  • 2 years of employment history
  • Require 20% down
  • Most recent 30 days paystubs
  • 2 years of tax returns
  • 2 months of bank statements