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

Rogue Credit Union services most loans originating through us. Our experienced, local staff are ready to help you get started with the loan that makes the most sense for you.

  • Local Decisions – We understand our members and our markets
  • Low Fees and Competitive Rates – We can save you money
  • FREE Rate Lock Extension – Just in case you need it
  • Quick Approvals – To keep things moving and ensure on-time closings
  • Experienced Mortgage Loan Officers – We’ll guide you through the process
  • Local Servicing – No bouncing from lender to lender once you close
 

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Conventional Loans 

The most common type of loan offers the lowest annual percentage rates with a 20% down payment.

  • You may qualify to put as little as 3% down
  • Available for purchases or refinances, including cash out up to 80% of your home’s value
  • Terms available from 10 years to 30 years
  • Manufactured Homes with land are eligible
  • Current maximum loan amount is $453,100

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Government Guaranteed Loans

These loans offer members a low down payment with more flexible credit requirements. Manufactured homes with land are eligible for VA and FHA loans.

  • VA Loans – No down payment required for qualified military veterans
  • USDA loans – No down payment required for moderate income families in qualified rural areas and communities
  • FHA Loans – 3.5% down payment for low to moderate income borrowers where the entire down payment can come from a gift from a family member

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Jumbo Loans

Typically for loan amounts greater than $453,100 and members with credit scores of 680 or higher.

  • Minimum down payment of 20%, but may be able to be combined with our Home Equity Loan for as little as 5% down
  • Cash out refinances up to 80% of your home’s value
  • Competitive rates and terms available from 10 years to 30 years

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Non-Conforming Loans

These loans offer members with good credit a financing option when not everything fits within the options above, but it still makes sense for the member and Rogue.

  • Investment Property Loans – Whether it’s a purchase or an 80% cash out refinance, our investment property program fits your needs
  • Unique Properties – Not every borrower or property meets standard guidelines. Our unique property program may be just what you need

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Land Loans

Speak with a Member Service Representative at one of our local branches.

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

Manufactured Homes In A Park

Speak with a Member Service Representative at one of our local branches.

  • Borrow up to 90% of the home's value
  • Competitive rates and terms available up to 20 years
  • Purchase or refinance available
  • Must be owner occupied

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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.