Open doors with low down payments from OnPoint
Homebuying, made simple.
Summer in the Pacific NW is a great time to get out of the house―and into a new home. If you’re actively looking to buy, OnPoint Community Credit Union is here to help with competitive rates, a variety of loan options to fit your needs, and down payment requirements as low as 3% APR.* We even have 0% down payment options for educators, veterans, and first-time homebuyers.
Get pre-approved today!
Additional mortgage loan rate details.
Terms | Rate | Annual percentage | Points | 1-month payment* |
|---|---|---|---|---|
| Learn more about mortgage purchase loans View mortgage refinance rates The annual percentage rates (APRs) for the 30 Year Fixed, 15 Year Fixed, and 5 Year adjustable rate loans are calculated based on a purchase of single family, owner occupied residence with a down payment of 25%, a loan amount of $412,500.00, and a property located in Multnomah County, Oregon. The annual percentage rates (APRs) for the Homeroom and Just for Starters fixed rate loans are calculated based on a purchase of a single family, owner occupied residence with a purchase price and loan amount of $550,000.00 and located in Multnomah County, Oregon. The annual percentage rates (APRs) for the 30 year jumbo fixed rate and 5/5 jumbo ARM are calculated based on a purchase of a single family, owner occupied residence with a down payment of 25%, a loan amount of $806,501, and a property located in Multnomah County, Oregon. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, a $795.00 origination fee, and any applicable points associated with the interest rate. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. The payments shown include only principal and interest. Certain loan products may require an escrow account for property taxes and insurance which will be added to the monthly payment amount. These mortgage rates are based upon a variety of assumptions and conditions, some of which may include a credit score of 780 or higher. Your loan’s interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable rate mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your down payment or equity is less than 20% mortgage insurance may be required, which will increase the monthly payment and APR. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available. Interest rates and APRs are subject to change without notice. | ||||
Terms 30 year fixed rate | Rate 6.500% | Annual percentage 6.606% | Points 0.500% | 1-month payment* $2,607.28 |
Terms 30 year jumbo fixed rate | Rate 6.625% | Annual percentage 6.721% | Points 0.500% | 1-month payment* $5,164.11 |
Terms 15 year fixed rate | Rate 5.750% | Annual percentage 5.940% | Points 0.625% | 1-month payment* $3,425.44 |
Terms Homeroom | Rate 7.875% | Annual percentage 7.976% | Points 0.500% | 1-month payment* $3,987.88 |
Terms Just for Starters | Rate 7.875% | Annual percentage 7.976% | Points 0.500% | 1-month payment* $3,987.88 |
Terms 5/5 ARM | Rate 6.625% | Annual percentage 6.808% | Points 0.500% | 1-month payment* $2,641.28 |
Terms 5/5 jumbo ARM | Rate 6.625% | Annual percentage 6.796% | Points 0.500% | 1-month payment* $5,164.11 |
Terms FHA | Rate 6.500% | Annual percentage 6.618% | Points 0.500% | 1-month payment* $2,607.28 |
Terms VA | Rate 6.500% | Annual percentage 6.611% | Points 0.500% | 1-month payment* $2,607.28 |
Terms Rates effective: | Rate June 13, 2025 | Annual percentage | Points | 1-month payment* |
Buy now. Refi later, we’ll cover the fee.
When committing to a home loan, it’s natural to wonder if better rates are just around the corner. After all, in the past few years, we’ve seen rates at historic lows. But waiting for a better mortgage rate shouldn’t hold you back. Buying a home should be on your schedule.
Purchase the house you want now, and if rates drop later this year, you can refinance with no fee. We’ll waive the loan origination fee when you refinance before 2028.* That way you can focus on what really matters―making that new house into a home.
Buying a home can feel overwhelming, we'll help make it simple.
- Get pre-approved online
- Communicate your needs with your mortgage loan officer
- Start your house hunt
- Work with your realtor and mortgage loan officer to finalize your purchase
- Make a house a home
We’re here to help.
Our Mortgage Loan Officers are dedicated to making the homebuying process easier, and we’ll help you find the right loan for your needs. With expertise in the local markets and reliable, consistent service, our local loan decisions mean you can count on us to close your loan on time, so you can focus on what matters most―making your new house into a home.
Find a local Mortgage Loan Officer
Meet some of our helpful loan officers (refine the results to find all the loan officers nearest you):
Disclosures
*All purchase mortgages originated until the end of 2026 are eligible to have the Loan Origination Fee waived up to $795 on a new refinance of the same property. The new refinance loan must close by December 31, 2027, to get the fee waiver promo. The borrower and property must meet all applicable underwriting guidelines and closing conditions that are in effect at the time of the new refinance. Not to be combined with OnPoint Rewards or Group Banking.
