Home Loans

Purchasing a home is one of the biggest investment decisions you will ever make. You can trust OceanAir for professional guidance and efficient processing to make your experience easier. 

Whether you’re looking to buy a home or refinance, we have you covered.

Must meet membership and account criteria. All loans and loan programs are subject to approval. Income and asset documentation may be required. Loans are secured by a lien against the property. Mortgage loans from OceanAir Federal Credit Union may not be available in all states. Mortgage rates and terms will vary based on collateral and credit. Programs, rates, terms, conditions, and services are subject to change without notice. 

*For current rates and payment examples, please refer to our Rates page. Payments will be higher with property taxes and insurance. Not all applicants will qualify for the lowest rate. Actual rate will vary depending on your creditworthiness, income, loan amount, LTV, and other factors specific to your transaction. Other rates and terms may be available. Additional restrictions may apply. 

For more information on these and other mortgage loan programs, contact a Mortgage Loan Officer at 805.988.2151  NMLS# 522456