Home Mortgages
  • Competitive Rates
  • Expert Service
  • Jumbo, Conventional, and Portfolio Loans
  • FHA, VA, and USDA Home Loans
  • Fast and Reliable Credit Approval Letters
  • First-Time Home Buyer Loans


Ask about our new Real Estate Perks Program

  • Work with a dedicated member advocate to match you with the right Real Estate Agent
  • Earn 20% cash reward from your realtor's commission after closing
  • Experienced Maps loan officers
  • Enjoy additional perks on home services and appliances

Apply for a Home Loan Online Mortgage Appointment Request Real Estate Perks Home Buying Classes



Sharon L Whittemore

Mortgage Loan Officer  

Email Sharon
 (503) 779-1837
NMLS 776181 


Tim Lindemann

Mortgage Loan Officer

Email Tim
​ (503) 779-1838
NMLS 223510


Doug Ecclestone

Mortgage Loan Officer

​ Email Doug
(503) 779-1306  
NMLS 2248554




Joshua Pairan

Mortgage Sales Manager

​ Email Joshua
(503) 779-1561  
NMLS 318424


Tracy Holstege

Director of Mortgage Lending

Email Tracy
NMLS 2181234

NMLS Registry Numbers

The Credit Union Difference: You aren’t just a number or a transaction when working with our Maps Mortgage Team. We know you have goals, needs, and wants, and we are here to help you reach those! Rooted in teaching, we want to make sure you know all of the options you may have for your unique scenario. As your local not-for-profit credit union, we pride ourselves on educating our members so they can make the best financial decisions possible.

Mortgage Rates


Swipe left to scroll table.
Program Name Rate APR Points Payment  
15 Year Fixed (Conforming) 6.500% 6.722% 0.375% $3,048.88  
30 Year Fixed (Conforming) 6.875% 6.977% 0.000% $2,299.25  
30 Year FHA 6.625% 7.243% 0.000% $2,241.09  
30 Year VA 6.750% 7.016% 0.000% $2,270.09  
30 Year USDA Rural Home Purchase 6.750% 7.170% 0.000% $2,270.09  
Zero Down 20 Year Fixed 7.250% 7.356% 0.125% $2,766.32  
Educator 100% 30 Year Fixed 8.750% 8.854% 0.250% $2,753.45  

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 good as of 2/22/2024 and are subject to change without notice. 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.

Apply Online

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