Real Estate & Mortgage Loans

Purchases, Refinances and Cash Out Refinances

When everybody else is saying no to cash out refinances, Wauna Credit Union is saying yes. With today's favorable rate environment, it could be the perfect time to refinance or buy a house. Call one of our local Real Estate Loan Officers, or apply online today. 

Apply 24/7   

Individual Homeowners Welcome

Wauna Credit Union currently serves just over 25,000 Individuals. That means 25,000 different definitions of home. Because we all have a different definition of home and different home needs, we offer a variety of home loans for every type of building and every budget - from first time homeowners, to those looking for a weekend getaway, or an investment property. Our knowledgeable Mortgage Team are your neighbors in the community, and they will do all they can to help you find the perfect loan.

How Do I Get a Mortgage 

Watch this short video on getting pre-approved for a mortgage.

  • Primary Residence
  • New Construction
  • Investment Property
  • Bare Land
  • USDA, FHA , VA and IRRRL Loans
  • Manufactured Homes
  • First-Time Buyers

current rates   apply online Calculators

Home Improvement and Equity Loans*

Home values have soared in recent years. A home equity line of credit (HELOC) lets you easily access your money with no fuss, or get a home equity loan to take all that money at once with a fixed rate. Take advantage of your equity to get money for whatever you need.

We are ready to answer your questions, or take your application at 800-773-3236! Apply online or by phone 24 hours a day, seven days a week.

Learn more on our equity loan page

*Home Equity Line of Credit loans offered on approved credit. Applicant’s interest rate and credit limit will be determined based on individual credit worthiness.  Verification of income is required. Property insurance is required. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it is available. Some restrictions apply. Non-members may apply for a HELOC; Membership with Wauna Credit Union is required for a HELOC to be funded. Visit for member eligibility details.

NMLS# 421867

current rates   apply online

Meet Our Mortgage Team

Monica Lauber, Real Estate Lending

Monica Lauber

SVP Mortgage

NMLS #614265


800-773-3236, Ext. 4221



Learn more about the NMLS, and look up any of our registered staff:

Ready to get started?

Applying online is super easy.

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