Mortgage Loans
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. Call 1-800-773-3236 to reach our team today.
Meet Our Team
Rebekah Ausmus
NMLS #1976668
(Real
Estate Loan Officer)
503-728-6101
800-773-3236 ext. 3161
How Can We Help?
- Primary Residence
- New Construction
- Home Equity Loans and HELOCs
- Investment Property
- Jumbo Loans
- Bare Land
- USDA, FHA , VA and IRRRL Loans
- First-Time Buyers
CURRENT RATES APPlications CALCULATORS
Learn more about the NMLS, and look up any of our registered staff: http://nmlsconsumeraccess.org
Construction Loans
Building your own home? Learn more about our one-rate construction loans.
Learn more
Home Equity
Home values have soared in recent years. Take advantage of your equity to get money for whatever you need.
Apply Now
*Rates and terms are subject to change. Please contact Wauna Credit
Union for complete details for loan rates, terms, fees, and how individual loan terms are
determined. Please contact Wauna Credit Union or view member eligibility qualifications here.
Wauna Credit
Union is registered with the National Mortgage Licensing System (NMLS #421867). Visit the NMLS
Consumer Access website: http://www.nmlsconsumeraccess.org to confirm our registration and
that of our Mortgage Loan Originators. NMLS Consumer AccessSM is a free service for consumers to
confirm that the financial-services company or professional with whom they wish to conduct business
is authorized to conduct business in their state.
**Home Equity Loan
Terms
APR = Annual Percentage Rate. 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. 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. An early closure fee (Title, Recording,
Flood Determination – Total fees 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. You must pay a Re-Conveyance Fee at the end of the
contract in order to release our lien. This fee will be determined at the time of re-conveyance.
Maximum loan amount is determined by a variety of methods, including County RMV, AVM Report, or
Appraised Value. 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 8.50% APR as of July 27,, 2023) 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 July 27, 2023 the Variable Annual Percentage Rate for Home Equity Lines of Credit ranged
from 8.25% APR – 17.00% APR). Home equity loans may qualify for tax deductible interest. Consult
with your tax adviser for details. In no event will the regular APR be less than the Prime Rate or
more than 18.00% APR or applicable state law. Non-members may apply for a Home Equity Line of
Credit. Membership with Wauna Credit Union is required for a Home Equity Line of Credit to be
funded. Visit waunafcu.org for member eligibility details.