Unlock the Door to Homeownership
We understand that buying a house is one of the most significant decisions you'll make. A home isn’t just a place you live—it‘s where you make memories with those who matter most. That's why we're dedicated to offering a range of mortgage products designed to meet your unique borrowing needs and help you achieve your home ownership goals.
Whether you're a first-time buyer, looking to refinance, or ready to upgrade to your dream home—we have the right mortgage solution for you. From application to closing, we provide our members with a personalized mortgage experience. A dedicated Mortgage Loan Consultant assists you throughout the process, ensuring we find the right mortgage product to fit you and your needs.
We’ll be with you every step of the way to help you turn your new house into a home.
Mortgage Options To Meet Your Needs
OHecu offers a variety of mortgage loan options and payment terms to fit you and your homebuying or home refinancing needs.
Mortgage Loan Options
- Fixed Rate Mortgage
- Adjustable Rate Mortgage (ARM)
- Jumbo Loans
- Investment Property Mortgage Loans
- FHA Loans
- Government backed loans with flexible underwriting guidelines
- Available to those with less than perfect credit or low to moderate income
- Low down payment options
- VA Loans
- Designed to offer long-term, affordable financing to eligible Veterans (active and former military personnel)
- Low down payment options
- Flexible underwriting guidelines
- USDA Rural Housing Loans
- A mortgage loan program offered through the US Department of Agriculture (USDA)
- Designed for rural property owners
- Low down payment options
- Flexible underwriting guidelines
- Applicants must meet USDA property and income eligibility requirements
First Time Homebuyers
Buying your first home is an exciting milestone—but it can also be overwhelming with all the various loan options and terms available. That's why OHecu guides you through the entire mortgage process to make your path to home ownership easier.
Read our step-by-step homebuying guide below to learn more about the process. If you're ready to get started, please contact the Member Service Center at onlineservices@ohecu.com or 800-552-6328.
Mortgage Refinancing
Whether you want to lower your interest rate or pay your mortgage off faster, OHecu makes it easy for you to refinance from another lender.
To apply or for additional information, please contact the Member Service Center at onlineservices@ohecu.com or 800-552-6328.
