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Home Loans & Equity

Purchase

Your dream home is waiting for you—and our team of local professionals can help you get there.

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Refinance

Whether you want to cash out your equity, lower your payments or pay off your loan sooner, we have a refinancing option for you.

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Home Equity

Whatever the project, a HELOC (or Home Equity Line of Credit) can help you utilize the value you’ve built in your home.

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100% Home. No money down.

Our 100% home loan financing program is designed to help you realize your dream of homeownership. It’s a great option for first-time homebuyers or buyers who currently do not have a mortgage. With our 100% home loan financing, you’ll be home sooner than you thought possible with zero down.

Select a Loan Officer to Get Started

Our loan officers can help you find the best solution for your mortgage needs.

Sharon Whittemore
Sharon
Whittemore

Sharon Whittemore Mortgage Loan Officer

NMLS #776181

“Like in so many aspects of life; what ends up mattering, above all, is the relationship we are able to earn and keep that end up meaning the most.”

I’ve had the pleasure of serving my neighbors in the mortgage industry for over 30 years now. I joined the Maps Credit Union team in 2017, and they’ve given me the opportunity to do what I do best; help families reach their goals. I enjoy the entire mortgage loan process, and I’m invested in helping create a great outcome from beginning to end for each and every client who trusts me to help them. My commitment to listening, executing; and following through is unwavering.

When I’m not helping borrowers, you may find me crafting, scrapbooking, or making cards. I enjoy spending time with my husband, granddaughter, and my entire family.

If I wasn’t a Mortgage Loan Officer here at Maps, I think I would work in the schools teaching crafts to the children. It is a great mix of two things I love.

Get started with Sharon
Tim Lindemann
Tim
Lindemann

Tim Lindemann Mortgage Loan Officer

NMLS #223510

“The most rewarding thing about what I do is helping members reach their goals. For some, it’s fulfilling a lifetime goal of homeownership, and for others, it’s refinancing and enjoying some of that hard-earned equity.”

As a lifelong resident of the Willamette Valley, I have over 29 years of lending experience in multiple roles, including managing a local finance company. In 2020 I began a new journey with Maps Credit Union as a Mortgage Loan Officer, and I’m excited to join such a staple in the community. My goal is to make your borrowing experience as simple, quick, and informative as possible with great communication from start to finish.

When I’m not helping borrowers, I enjoy spending time with my family and friends. You might also catch me on the links golfing, woodworking, or working in the garden at home.

If I wasn’t a Mortgage Loan Officer here at Maps, I think I would be a contractor. I have always wanted to know how to build a home from the ground up, and watching it grow from the ground up would be very rewarding.

Get started with Tim
Doug Ecclestone
Doug
Ecclestone

Doug Ecclestone Mortgage Loan Officer

NMLS #2248554

“I love being able to apply my knowledge of lending to help members with their home loan needs. I strive to make the process fun and with as little stress as possible.”

The key to my success over the last 13+ years in banking has been my ability to listen. I joined Maps Credit Union back in 2017, and they have helped me flourish in all of my roles by knowing what is important to me. Listen, understand, then be able to explain things back to a member so they can understand and not feel lost in the transaction is what makes us all successful. I pride myself on finding the right loan program to meet their needs and goals.

When I’m not helping borrowers, you may find me camping in the forest or at the dunes with my two wonderful daughters. I grew up bowling and playing football and still enjoy the occasional game of chess.

If I wasn’t a Mortgage Loan Officer here at maps, I think I would be an FBI profiler. Then I’d retire and become a season ticket holder for the Green Bay Packers while I live out the rest of my life camping, fishing, and spending time with family.

Get started with Doug
Tracy Holstege
Tracy
Holstege

Tracy Holstege AVP of Mortgage Lending

NMLS #2181234

Choosing a mortgage team is about finding people you are comfortable with for the long haul. I want to build lifelong connections with everyone we work with guided by integrity and performance.

I got my start in the mortgage industry over 20 years ago, and now I use that relevant experience to lead our team as the AVP of Mortgage Lending. I joined Maps Credit Union in 2011 and have held multiple different roles centered around operations. Since my time here, I have focused tirelessly on our department’s success. Building and encouraging a team that feels strongly about connecting with our members, and building trust, integrity, and a service-minded attitude, has been my goal.

When I’m not leading my team, you can find me on the soccer field, tearing it up, or working out in the gym. I love spending time with my family and being involved with our Capital Futbol Club here in Salem, Oregon.

If I wasn’t a AVP of Mortgage Lending at Maps, I think I wouldn’t be doing anything too crazy. I’d probably just be a professional shopper or soccer player scoring goals all over the world.

Rates

Mortgage Rates

Loan ProgramRateAnnual Percentage Rate (APR)PointsPayment
15 Year Fixed (Conforming)6.000%6.176%0.125%$2953.50
30 Year Fixed (Conforming)6.750%6.864%0.125%$2270.09
30 Year FHA6.000%6.808%0.000%$2098.43
30 Year VA6.125%6.408%0.250%$2126.64
Zero Down 20 Year Fixed7.000%7.199%0.500%$2713.55
Educator 100% 30 Year Fixed8.250%8.367%0.000%$2629.43

Rates good as of December 3, 2024 and are subject to change without notice. The rates listed above are for a purchase loan amount of $350,000 and assume a 740+ credit score. Please reach out to a Mortgage Loan Officer for a specific rate quote.  Refinance Rates can be higher than what is listed here.

Rates Disclosures

Rates may vary depending on each individual’s credit history and underwriting factors. All loan applications are subject to credit and property approval.

Payments shown are Principle and Interest Only and do not include any required mortgage insurance or any financed fees for government loans which may increase the mortgage balance and payments. 

The APR for 30-Year FHA includes the Upfront Mortgage Insurance Premium of 1.75% of the balance. The APR for the 30-Year VA includes an estimated funding fee of 2.15%. The APR for the 30-Year USDA includes the guaranteed fee of 1%. 

Zero Down
New purchase only. Maximum loan amount is based on FHA loan limits (ex. Maximum in Marion County is $498,257) . Property must be a single-family residence and located in Oregon. Mortgage Insurance and Escrow are required. Minimum contribution to cover fees and the appraisal must be the greater of $1000 or 1% of the purchase price.

Educator 100%
New purchase only. Maximum loan amount is based on FHA loan limits  (ex. Maximum in Marion County is $498,257). Property must be a single-family residence and located in Oregon. Escrow is required. Loan-to-Value may not exceed 100 percent. Borrower responsible for appraisal and closing costs. 15-year and 30-year term available.

Frequently Asked Questions

What documents do I need to get started?

The necessary items depend on your specific circumstances. That said, there are some general documents that most borrowers will need to provide.  We recommend you review the Mortgage Checklist and gather as much as possible as early as possible. In general, you will be asked to provide:

  • Your name, address, and social security number, all of which are used to obtain your credit report.
  • Documentation to verify your income (such as pay stubs, W-2s, or federal tax returns.
  • Documentation verifying your asses (such as bank account statements).
  • A list of your liabilities (such as proof of recently paid-off debts)
  • A copy of your homeowner’s insurance policy or contact information for your insurance agent.
How do I get started if I want to refinance a home?

We recommend you start by reviewing the Mortgage Checklist to make sure you have everything you need. Next, complete a mortgage application. If you aren’t quite ready for that step, you can always start by talking to one of our Mortgage Loan professionals. We are readily available to answer any of your questions.  

I am a first-time homebuyer. What do I do?

To learn about the mortgage loan process, check out our Mortgage & Home Equity Learning Page or register for our Home Buyers Class and get some expert advice from our Mortgage Loan Officers while you connect with industry professionals. And, of course, we are always here to assist on the phone. Just call us at 503.588.0181.

What First-Time Home Buyer loans do you offer?

We’d be happy to discuss what options are available to you. The term “First Time Home Buyer loan” has become a key marketing term used in the mortgage industry for years now.  Generally, lenders offer options with a low down payment to help first-time buyers get into a home without the need for 20% down.  These options can change so it’s important to reach out to a Mortgage Loan Officer to find out what works best for you.

Do I need to be a Maps member to get a mortgage?

Yes. You must be a Maps member to apply for a mortgage. Contact us directly or click here to learn more about becoming a member.

How much can I get approved for?

Everyone’s circumstances are different, and we won’t be able to get a true and accurate estimate of your approval odds until we have a full application and have evaluated your credit history. The good news is that we are here to help! Generally, the size of the loan you qualify for is determined by your debt-to-income ratio. Contact one of our Mortgage Loan Officers today and we can help you determine what you qualify for.

What are your current mortgage rates?

Our general rates are posted online. The rate you qualify for is very specific to you and your situation. However, we offer many different loan types and there are lots of different options within each loan type. Speak to one of our Mortgage Loan Officers for a more detailed idea of the rate you would qualify for.

Why should I choose Maps Credit Union for my home loan?

You aren’t just a number or a transaction when working with our team. We know you have goals, needs, and wants—and we are here to help you reach those! As your local not-for-profit credit union, we pride ourselves on educating our members so they can make the best financial decisions possible.  We pride ourselves on helping our community. We do this by offering our loans with low fees and hard-to-beat rates. We want to make sure you know and understand all your options so you can secure the best loan for your unique scenario.

What if I am pre-approved with another lender but want to switch to Maps?

We love that idea! However, where you are in the overall process could create some challenges. Make sure you speak with one of our Mortgage Loan Officers first before you cancel or stop the loan process with your existing lender. We would love to earn your business but, more than that, we want you to be successful when buying your new home, no matter who the lender is.

How much will my monthly mortgage payment be?

To estimate your monthly payment, use our Mortgage Calculator. The payment estimate will be based on the terms of your loan and your home’s purchase price.

Is it good to “rate shop”?

It is smart business to get the best rate you qualify for, but the interest rate on your loan is only one part of your overall mortgage terms—and may not be the most important part in the end. If you are rate shopping, make sure you are comparing apples to apples. Familiarize yourself with “Points” and how they affect your mortgage terms.  Don’t shy away from asking questions. 

You may qualify for a wide range of rates. If you simply opt for the lowest, you may find out that the “low” rate you were quoted will cost you thousands of dollars to get. Always ask for the RATE and FEES when shopping. The process may take time, but we’re happy to answer any questions you may have.

How long does it take to get a mortgage?

It typically takes 30 days to close on your mortgage once you’ve submitted all required paperwork and documents. However, closing times vary based on many factors, so check with your home loan advisor early to better understand when you can expect to close. If you’re planning to refinance your home, closing times are estimated to take 30-45 days.

Is now the right time to purchase a home or should I wait?

The simple answer? The right time to purchase a home is when you are ready to purchase a home.  Waiting for “rates to get better”, “home values to go down”, or to “save up a larger down payment” may end up costing you more in the long run.  Unless you can accurately predict the future, why wait for an event that may or may not happen? If you are considering a home purchase, talk to one of our experienced Mortgage Loan Officers. We will help you determine if you are ready.

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