Reach your Home Goals
Buying, refinancing, or tapping your home’s equity shouldn’t be overwhelming.
As a member-owner of OAS FCU, you get personalized guidance, transparent costs, and mortgage options designed for global professionals like you.
A Personalized Approach to U.S. Home Financing
From pre-qualification to closing, you’ll work with the same mortgage representative — someone who understands your goals, your work contract, and your financial realities across borders.
Whether you’re buying your first home, upgrading, or returning to the U.S., we’ll help you define a budget, compare programs, and move forward confidently.
Why finance with us
Whether you’re purchasing, refinancing, or investing, you’ll have clear guidance from OAS FCU — and loan options available through our mortgage partner.
Guidance you can trust
From pre-qualification to closing, you’ll have dedicated guidance through the process — whether you’re in the U.S. or managing your home purchase from abroad.¹
Responsible financing
We take time to understand each member’s situation, including international employment structures and documentation needs commonly found across multilateral organizations.1
Clear, transparent costs
As a not-for-profit cooperative, we focus on member-first pricing and transparent terms. Rates, APRs, and fees vary by program and are disclosed during application and before closing.1
Simple, secure access
Apply online, upload documents securely, and track progress throughout the application process.
Inclusive programs for all members
From first-time buyers and long-term residents to internationally mobile professionals, we offer mortgage options and documentation support designed for a wide range of member situations — based on eligibility and program requirements.2
Get Pre-Qualified
Clear guidance, global understanding — and a team ready to help you navigate your next step.
Your trusted partner in home financing.
At OAS FCU, we believe strong partnerships expand what we can offer our members. You’ll start with our Lending Team — the same people who help you understand your options, documentation, and next steps from pre-qualification through closing.1
That’s also why we work with Credit Union Mortgage Association, Inc. (CUMA), a third-party mortgage provider, to expand the range of mortgage solutions available to you.2
Through CUMA3, eligible OAS FCU members can explore:
A range of mortgage and refinance options
Rates and terms offered through CUMA programs
Guidance from experienced mortgage specialists
A streamlined digital application and closing experience.
Whether you’re purchasing, refinancing, or investing, CUMA shares our values of transparency, integrity, and member-first service—helping you feel confident every step of the way.
Certain mortgage products are offered through CUMA and are originated, underwritten, and serviced by CUMA under its own terms and disclosures. OAS FCU is not the lender for those products.2,3
For members living abroad or non-U.S. citizens2,4
We understand international careers and mobility. Our programs can accommodate members living overseas and non-U.S. borrowers1, depending on product and state availability.
We know the complexities of contracts with international organizations — and we make financing possible when others can’t1.
A clear path, every step of the way.
Buying a Home in the US
Buying a home is one of the biggest milestones in life — and we’ll guide you from your first question to your new keys.
Pre-qualify — Understand your budget and explore your eligibility.
Find an agent — Connect through our [HomeAdvantage® network] with 850+ trusted real estate agents nationwide.
Get pre-approved — Strengthen your offer with a fully underwritten pre-approval.
Find the right property — Search, save, and compare listings online with HomeAdvantage®.
Close confidently — We’ll coordinate appraisal, final documents, and ensure that your closing stays on track.
Fast, secure, and always personalized.
Apply for a U.S. Home Loan
Applying online takes about 15–20 minutes, and you can save your progress anytime.
What you’ll need:
1. Address and employment history for the past two years.
2. Income details: salary, bonuses, commissions, or other income sources.
3. Asset and debt information (bank statements, retirement accounts, existing loans).
4. Property information:
If you already have a property: enter the address and estimated purchase price.
If you are still searching: simply enter the state and city where you plan to buy — you can update the details later.
Disclosures
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All OAS FCU loans are for members only. Lending decisions are subject to credit approval, underwriting guidelines, and applicable law. Not all applicants will qualify.
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Product availability, eligibility, geographic restrictions, and borrower requirements vary by loan program and are subject to change without notice.
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Fixed-rate mortgages, FHA loans, VA loans, Jumbo loans, and certain refinance products are originated, underwritten, and serviced by Credit Union Mortgage Association, Inc. (CUMA), a third-party mortgage provider. OAS FCU is not the lender for these products.
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Rates, annual percentage rates (APRs), terms, and conditions are subject to change and may vary based on creditworthiness, loan type, property type, occupancy, and market conditions. Examples shown are for illustrative purposes only and are not a commitment to lend.