Home Loans

We’re Here to Make Your Home Ownership Dreams Come True

Whether you’re a first-time buyer, looking to upgrade, or simply wanting to downsize, Rogue Credit Union offers you, our member-owners, a wide variety of home loan programs, with competitive rates.

Mortgage Loans

Our experienced, local staff are ready to help you get started with the loan that makes the most sense for you. We understand our members and our markets and can help save you money. 

  • Local decisions 
  • Low fees and competitive rates 
  • Free rate-lock extension
  • Quick approvals 
  • Local servicing 


Conventional Loans 

Conventional loans are the most common form of Mortgage Loan. With low annual percentage rates and as little as 3% down, our experienced team of Mortgage Loan Officers are ready to help get you into your dream home today. 

  • As little as 3% down
  • First mortgage or refinances 
  • Terms from 10 years to 30 years
  • Loan amounts up to $510,400


Government Guaranteed Loans

We offer VA, FHA, and USDA backed loans that can help make your home-ownership goals attainable with flexible credit requirements. Government Guaranteed Loans are specialized loan products that are offered based on applicants meeting certain requirements. 

  • VA Loans offer no down payment loan options for qualified military veterans 
  • USDA Loans feature no down payment requirement for moderate income families in qualified rural areas and communities
  • FHA Loans provide the option of a low down payments and lower credit score requirements for low to moderate income borrowers 


Jumbo Loans

With great low rates and exceptional service, a Jumbo Loan is a great option to make your dream home a reality. Jumbo Loans are designed for mortgages that are larger than $510,400 and have firmer credit requirements than other than products. 

  • Low down payment 
  • Competitive low rates 
  • Terms available from 10 years to 30 years


Non-Conforming Loans

Whether you are looking to purchase an investment property or your situation may not quite fit within the standards of the options above, a Non-Conforming Loan could be the solution for you. Non-Conforming Loans offer members with established credit a financing option for a non-traditional property purchase.

  • Purchases or Refinance of Investment Properties
  • Loans for Unique Properties


Land Loans

Interested in buying a plot of land to build a home on? Speak with a Member Service Representative at one our local branches today!

  • Purchases or refinance options available
  • Borrow up to 65% of the land’s value
  • Terms up to 15 years

Apply Now

Manufactured Home in Park

Purchasing a home that will be placed in a manufactured home community or park? Stop by a local branch or give us a call to see how Rogue can help!

  • Borrow up to 95% of the home's value
  • Competitive rates
  • Terms up to 25 years
  • Purchase or refinance options
  • Must be owner-occupied


*Rates reflected above include the maximum discount of 0.50% for automatic payment.

APR= Annual Percentage Rate. Actual APR will be based on the borrower’s credit history and term of loan. Loan terms may vary based on the amount borrowed and collateral. Loan rates and terms are subject to credit approval and can change without notice. Rates are effective as of June 2022.