Invest with confidence. Build your future.
Whether it’s a vacation retreat, a rental property, or your next long-term investment, OAS FCU offers clear options and personal support from pre-qualification to closing.1
Why members choose us
- Member-first pricing and transparent fee structures⁴
- Experience working with international investors and dual residence members5
- Personalized guidance from pre-qualification through closing
- Available in most U.S. states, except Alaska, Hawaii, and Puerto Rico.
Non-U.S. Citizen Home Loans
Global careers come with unique questions. Explore mortgage options designed to support internationally employed members — with clear guidance and cooperative principles.
Invest with confidence. Build your future.
Looking to buy or refinance a rental or investment property? OAS FCU offers competitive fixed and adjustable-rate loans for income-producing homes, with clear terms and personalized support from our mortgage partners.6
Disclosures
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Pre-qualification is not a commitment to lend and is based on preliminary information provided by the applicant. Pre-qualification may not include a full credit review and does not guarantee loan approval or specific loan terms.
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Financing, percentages, loan terms, interest rates, and product availability are subject to membership eligibility, credit approval, property type, occupancy, loan program requirements, and applicable underwriting standards. Not all applicants will qualify.
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Rate lock availability, duration, and conditions vary by loan program. A no-cost rate lock may be available for select programs and is subject to change or expiration.
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Origination fees and other closing costs vary by loan and are disclosed prior to application and at closing. OAS FCU does not charge prepayment penalties on these loan programs.
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Mortgage loans are available to eligible OAS FCU members only. OAS FCU complies with the Equal Credit Opportunity Act and does not discriminate on any prohibited basis. Citizenship is not a factor in credit decisions; lawful presence, income, creditworthiness, and documentation requirements apply.
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Certain mortgage products or services may be provided through approved third-party partners. OAS FCU does not control third-party underwriting decisions and is not responsible for their acts or omissions.