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Zelle® update

Effective 03/31/2025, users will no longer be able to send or receive money using the Zelle® app. To continue using Zelle®, members currently relying on the Zelle® app must re-enroll through one of the more than 2,200 banks and credit unions that offer Zelle®, including ours. If you are already using Zelle® within our online banking or mobile app, no action is required. You can continue to send and receive money through your online or mobile banking account. Please take a moment to check the revised terms and conditions here.

Queremos avisarte que nuestro sistema de banca en línea no podrá ser utilizado con Internet Explorer 11 a partir del 7 de abril de 2020.

Lamentamos cualquier inconveniente que esto te pueda causar.

Mortgage Loans

Interested in buying a US home?

We offer flexible mortgage loans programs for citizens, residents and even members living abroad

Apply Now*

Available in these Regions

GET IN TOUCH

Come talk to us

Interested in buying a home? While the process can seem overwhelming, we make it all manageable with a variety of loans at extremely competitive rates*. We offer both fixed and adjustable rate mortgages, and terms up to 30 years. We also can refinance your existing home and work to find you a better deal*. Even if you’re outside of the US, we can still help you find a mortgage* for a US home. Reach out to one of our qualified loan officers today and we’ll discuss your best options*, no commitment required.

Flexibility: fixed and adjustable rates available
Longevity: terms up to 30 years
Savings advantage: competitive rates and refinancing options
Purchase a home for yourself*
No credit history needed
Now also offering in the states of Texas and Colorado

Rates Important Information Questions

Interested in buying a US home?

We offer flexible mortgage loans programs for citizens, residents and even members living abroad

Apply Now*

Home Equity Line of Credit

A Home Equity Line of Credit (sometimes called a HELOC) is the loan that has it all.

Home Advantage Program

Use any agent from the HomeAdvantage network to buy or sell your home in the United States and receive a cash rebate of 20% of the agent’s commission. Simply enroll in this free program and have access to all the tools and expertise you’ll need.

Rates

Mortgage

Type Term Rate

Fixed 30, 20, 15 and 10 years Today's Rate
Balloon 15, 10 and 7 years Today's Rate
ARM 15/15, 10/1, 7/1 and 5/1 year Today's Rate
FHA Fixed 30 and 15 years Today's Rate
VA Fixed 30 and 15 years Today's Rate

Sample payment #1: For a loan of $100,000 at 4.25% interest for 30 years, the monthly payment would be approximately $4.92 per $1,000 borrowed.

Sample payment #2: For a loan of $1,000 at 4.49% interest for 36 months, the monthly payment would be approximately $29.815.

Sample payment #3: You can use a Credit Union Loan Calculator to estimate your payment based on your specific loan amount, interest rate, and term.

FAQs

CUMA, the Credit Union Mortgage Association, is the partner we choose to provide the processing, underwriting and servicing for our mortgage programs.

Private Mortgage Insurance (PMI) is a type of mortgage insurance from private insurance companies used with conventional loans. Similar to other kinds of mortgage insurance policies, PMI protects the lender if you stop making payments on your home loan.

Every situation is different, and based on our membership diversity, we have implemented different programs and procedures to include all. For us, credit score is only one of the factors that we evaluate in order to pre-approve a loan. To find out if you qualify, send us an email to: [email protected]

Closing costs will vary, but they're typically 3% to 5% of the purchase price. We'll be able to give you a more accurate estimate of closing costs after you tell us more about the loan you're looking for.

A pre-approval letter indicates how much you can get approved for and what your interest rate will be. Once you’re pre-approved, we’ll create a pre-approval letter that you can download and print. Footnote: Pre-approval is not guaranteed. All applications are subject to credit review, underwriting guidelines, and verification of required documentation. Additional terms and conditions may apply.

Yes, we offer different alternatives to a traditional down payment. To find out more email us at: [email protected]

Your Mortgage rate is determined based on a variety of factors, including inflation, the pace of economic growth, and US Federal Reserve policy.

With a fixed-rate mortgage loan, your rate won't change and your monthly principal and interest payments will stay the same over the life of your loan. With an adjustable rate mortgage loan, your rate is fixed for the first 3, 5, 7 or 10 years (depending on your term) and will adjust every 12 months based on current market rates.

We offer different types of programs and terms to fit both new purchases and refinancing needs, but since we understand the different profiles and lifestyles, we recommend that you speak with one of our loan officials to see what's right for you ([email protected]). Once they know more about you and what you're looking for, they'll help you understand all the options and guide you to get started.

Important information about our Mortgages

OAS FCU dos not lend on:

Mobile homes

Co-ops or time-shares

Properties that are currently listed on the market for sale (except special Bridge Loans)

Commercial property or property used for commercial purposes, even if a residence is part of the property

Undeveloped property (land only)

Properties with more than 4 units

Properties that are currently under major construction/renovations. Property must be fully livable, with no safety issues. (Examples: no missing rails from stairs/decks, no open walls with wires showing, missing kitchen appliances/counters, missing bath fixtures or unfinished pool).

Adjustable Rate Mortgages available for purchases and refinances.

Conforming Mortgages: For loan amounts from $65,000 to $1,089,300. Loans above that limit are considered Jumbo Loans, and are also available; you can obtain specific information with our Lending Department.

Loans with a LTV of 80% or greater may be subject to private mortgage insurance (PMI). The LTV and CLTV limits may vary depending on the property type, loan program and occupancy.

The applicant is responsible for the following fees and costs at the time of closing, unless a pre-stated promotion is in place:

Application fee: None

Advance origination charge: an advance of $500 is required, which will later be applied to the closing costs if your loan closes with OAS FCU

Credit report: $26.20

Placement fees or points: 1 point (1.25 points for investment properties)

Collection charges: As allowed by law

Late charges: 4% of payment due if over fifteen (15) days late

Escrows are required on certain transactions, and additional reserve requirements may apply.

Escrows are required on certain transactions, and additional reserve requirements may apply.

If you withdraw an application that was locked, we will not reimburse the advance origination charge.

OAS FCU does business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Leaving Our Website

You are leaving OAS FCU’s website and linking to an alternate website not operated by the credit union. OAS FCU is not responsible for the content of the alternate website and does not represent either the third party or the member if the two enter into a transaction. The privacy practices of the alternate site may differ from those practiced by the credit union. You should review the privacy policy of any site before providing any information.

Privacy & Security Advisory:
Email is not encrypted and should not be used to send sensitive personal or financial information. For your security, do not include Social Security Numbers, account numbers, or other confidential details in your email. Instead, please contact us through our secure member portal or by phone.