Real Estate & Mortgage Loans

We says yes picture

Purchases 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

1.99% APR* Intro Rate for 6 Months

Then, equal to Prime Rate Index, currently 3.25% APR Plus 0-8%.

Say YES to making your dreams a reality through the equity you already have in your home - Right now our Home Equity Lines of Credit have a special introductory rate of 1.99% APR for 6 months!

  • Financing available up to 100% of your home's value
  • No loan origination costs

Apply For a HELOC 24/7

*APR: Variable Annual Percentage Rate. This Promotional financing applies to new HELOC (Home Equity Line of Credit) accounts opened between February 1 and July 31, 2020. No closing costs except appraisal if required. Estimated appraisal cost: $745. Your interest rate and credit limit will be determined based on individual credit worthiness.  An early closure fee (Title, Recording, Flood Determination; Total is approximately $250) is applied if the loan is closed within the first 36 months. A $35 annual fee will be waived if the Total Finance Charges paid during the previous 12 months is equal to or exceeds $35. The APR includes interest only and no other costs, and could change at any time. Variable Rate is equal to the Prime Rate index (currently 3.25% APR as of March 13, 2020) as published in the Wall Street Journal and is subject to change.  To determine the APR which will apply to your account, a margin (currently 0.00% APR – 8.50 APR) will be added to your current index rate. As of Jan. 20, 2020, the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged from 4.00% to 12.00%. In no event will the regular APR be less than the Prime Rate Index or more than 18% APR or applicable state law. The 1.99% Promotional APR is available for 6 months after the loan is funded. At the beginning of the 7th month, your regular rate will be applied. Minimum monthly payment may change as a result of interest rate changes.  Home equity loans may qualify for tax deductible interest. Consult with your tax advisor for details. This promotional Home Equity Line of Credit enables qualified borrowers to finance up to 100% of their home value. There are no Loan Origination Costs. Some restrictions apply. Membership with Wauna Credit Union is required for a HELOC to be funded. Visit for member eligibility details. This special offer ends July 31, 2020.     

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.

How do you get a strong mortgage? Watch the video below and learn the 1......2......3

  • 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 Equity Loans are the perfect way to fund those  projects. 

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.

*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

  • Home Equity Loans
  • Home Equity Lines of Credit

current rates   apply online

Estimate Your HELOC Payment


Meet Our Mortgage Team

Monica Lauber, Real Estate Lending

Monica Lauber

SVP Mortgage

NMLS #614265


800-773-3236, Ext. 4221

Paige Tischer, Real Estate Lending

Paige Tischer

Real Estate Loan Officer (Astoria)

NMLS #1151457


800-773-3236, ext. 2852

Mark Crandall, Real Estate Lending

Mark Crandall

Mortgage Loan Specialist (Scappoose, Vernonia, Western Washington County)

NMLS #487436


800-773-3236, ext. 4834

McKenzie WilsonMcKenzie Wilson, Real Estate Loan Officer

Real Estate Loan Officer (Warrenton)

NMLS #1151456


800-773-3236, Ext. 2769

Paige Tischer, Real Estate Lending

Jennifer Clark 

Real Estate Loan Officer (Clatskanie, St Helens)

NMLS #1501826


800-773-3236, Ext. 3136

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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