Our Mortgage Products

Unlock Your Virtual Mortgage Department

Offer your members a range of home loans without having to navigate the complexities of staffing a mortgage department. At OwnersChoice, we listen to the needs of your credit union and work with you to build a seamless mortgage solution.

Fixed-Rate Mortgages

Enable your members to enjoy peace of mind with our fixed-rate mortgages. With stable interest rates over the loan tenure, they can easily predict and plan their budget. Our fixed-rate mortgages offer terms varying from 10 to 30 years, providing flexibility and convenience to your members.

Adjustable Rate Mortgages (ARM)

Our ARM solutions offer initial rates that are often lower than fixed-rate mortgages. After the initial period, the interest rate adjusts depending on prevailing market rates, offering a possibility for lower payments over time.

Federal Housing Administration (FHA) Mortgages

We offer FHA mortgages to help those members who may not qualify for conventional mortgages. With as low as a 3.5% down payment, we make homeownership feasible even for your members with limited savings.

Veteran Affairs (VA) Loans

In honor of our nation's heroes, we provide VA loans for eligible veterans, service members, and surviving spouses. This comes with the added benefits of no down payment under certain conditions, no private mortgage insurance, and a ceiling on closing costs.

USDA Loans

Our USDA loan offerings are tailored for low-to-moderate-income rural home buyers. With no down payment required, these loans become a lifeline for members dreaming of rural homeownership. To check property eligibility, visit the USDA Eligibility website.

We don’t just offer loans, we provide a full mortgage solution.

From processing loan applications to closing, and servicing, we’re your one-stop solution.

See Our Services