Let OHecu help your dream of home ownership become a reality

OHecu is ready to meet your real estate loan needs, from purchasing a home, to remodeling your current home or refinancing your existing home loan. A knowledgeable OHecu representative is only a phone call away.

  • Membership is easy.  Click here to see who can join.
  • Flexible and streamlined process to close loans fast and on-time
  • Competitively priced closing costs
  • Trustworthy - keeping members best interests in mind
  • Over 30-years of providing mortgage lending services
  • A variety of loan programs to accommodate most borrowing needs

OHecu provides loans for residential property purchases.  A variety of product terms are available. 

  • Purchase or Refinance Loans
  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages (ARM)
  • Jumbo Loans
  • First Time Home Buyer Programs with low down payment options
  • Investment Property Mortgages
  • No Closing Cost Options are available on most programs

Get pre-qualified for your new home or refinance your existing mortgage loan today! Check out this handy Home Loan Checklist of things to bring to your first appointment.

Apply Now

NMLS: #412096

FHA Loans

OHecu now offers FHA (Federal Housing Administration) Loans as just one more way of finding a mortgage solution that best meets the needs of the individual member.  

These government backed loans are available to those with “less than perfect” credit or of low to moderate income, offering low down payments and allowing the funds to come from many different approved sources.

VA Loans

VA loans are designed to offer long-term, affordable financing to eligible Veterans (active and former military personnel). VA loans have low down payment options, competitive rates, and flexible underwriting guidelines.  

USDA Rural Housing Loans

USDA loans are available to rural property owners who meet income and property requirements set by the US Department of Agriculture. USDA loans have low down payment options, flexible underwriting guidelines, and are not limited to first time homebuyers.  Applicants must meet USDA property and income eligibility requirements.