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Mortgage Loans

Your dream home is waiting

Our mortgage loans are designed to help you purchase or refinance a home with competitive rates and flexible terms tailored to your needs. Whether you're a first-time buyer or looking to refinance, we’ll guide you toward the option that makes homeownership simpler and more affordable.

More Features

Low Rates

Save more with a lower rate on fixed loans compared to many other financial institutions. 

Variety of Repayment Terms

Choose a payment plan that works best for you and your finances.

Jumbo Loans

You can buy a home in a higher price range by borrowing more than you could with a typical mortgage from another institution.

 

Family entering empty house

Mortgage Modifications

Feel Great About Your Home Loan Rate Now and In the Future!

If you finance your home purchase through us, you may qualify for the option of a mortgage modification down the road. No, it’s not a refinance. In fact, it’s faster and cheaper! With a mortgage modification, you may qualify to adjust your home loan with us to a lower rate and payment when rates come down. All at a fraction of the cost of refinancing your home loan!

So go ahead: apply for the mortgage you need to achieve your dreams of home ownership. And down the road when you’re ready for a loan modification, ask to speak with someone in the mortgage department to apply.

Video Appointments

Loan Application Support

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for mortgage loans. A loan officer will walk you through the process step by step and answer your questions so you feel confident from start to finish.

FHA Loans

FHA Loans: Smart, Flexible Options for Your Homeownership Journey

We believe everyone deserves the opportunity to build a stable future through homeownership. That’s why we’re proud to offer FHA loans, which are government-backed mortgages insured by the Federal Housing Administration. These loans are designed to help more people become homeowners by offering lower down payment options and more lenient credit requirements. And we’ll always recommend what’s best for you. If an FHA loan is the perfect fit, we’ll partner with a trusted third party to help you close your loan after we get it started. And we’ll be by your side the entire way.

Home Purchase: Whether you’re a first-time homebuyer, have limited savings, or have had a few financial hiccups in the past, an FHA loan could be the perfect fit. And with a down payment as low as 3.5%, your budget will have some breathing room.

Refinance Options: Already own your home? FHA loans also offer two powerful refinancing tools to help you make the most of your equity and lower your monthly costs.

  • FHA cash-out refinance: Take advantage of the equity in your home to potentially get a lower interest rate and extra cash for home renovations or to pay off high-interest debt. Even if you’re struggling with your credit or you have a higher debt to income ratio, you may qualify with easier approval than traditional refis!
  • FHA Streamline refinance: If you currently have an FHA mortgage, you might be able to lower your rate and payment.
  • No appraisal required
  • No maximum LTV/CLTV required
  • No tax returns or verification of income for non-credit qualifying loan option

VA Loans

VA Loans: Where Heroes and Home Ownership Meet

We proudly offer VA loans, backed by the Department of Veterans Affairs and tailored to meet the unique needs of veterans, active-duty service members, reservists, and their family members. If you or a family member has served and you’re planning to buy, relocate, or refinance, a VA loan may be one of the most flexible, cost-effective options available. We’ll keep your best interest in mind when recommending a loan with the best pricing. If you qualify for a VA loan, we’ll originate your loan and partner with a trusted third party for closing. You can count on us to be right by your side throughout the loan process.

Home Purchase:

  • Lenient credit requirements: It may be easier to qualify than with a conventional home loan.
  • No down payment or mortgage insurance: Unlike many other mortgage options, qualified VA loans require no down payment – even for eligible jumbo loan amounts – and no mortgage insurance (MPI) if the down payment is less than 20%.
  • Support for upfront costs: Sellers can contribute up to 4% of the loan amount toward closing costs, so you can start your journey with less financial pressure.

Refinance: Already own your home? Take advantage of the equity in your home to potentially get a lower interest rate and extra cash for home renovations or to pay off high-interest debt. Even if you’re struggling with your credit or you have a higher debt to income ratio, you may qualify for a VA refinance with easier approval than traditional refis!

Mortgage Resources

Mortgage Calculator

Apply & Save in 1-2-3

  1. 1 Complete an application Skip the paperwork by applying online or we'd be happy to meet with you if you schedule an appointment.

  2. 2 Get approved We'll crunch the numbers and let you know if you're approved.

  3. 3 Buy your new home Use the loan to purchase your new house.

Articles

IS IT WORTH REFINANCING MY MORTGAGE? (+ REFINANCE CALCULATOR) Many people refinance their mortgages to obtain lower interest rates, to shorten their loan terms, or for other reasons. Before you refinance, however, it’s important to understand how the process works and to be aware of the fees involved. This will help you decide whether refinancing is worth it. Read More
FHA Loan vs. Conventional Mortgage Buying a home is a big decision, and choosing the right mortgage can feel overwhelming. Understanding the difference between an FHA and a conventional loan is a great place to start. Read More

Meet Our Team

Lori McElligott

VP Residential Lending

I’ve enjoyed working here since 1992. Like many on my team, I worked in several financial services departments before landing in lending and deciding this was my niche. Helping members of our communities gain home ownership or a better handle on their finances using the equity in their home is very gratifying.

Andrew Peterson

Mortgage Lending Manager

I’ve been with the credit union since 2002 and have spent over 10 years in Mortgage Lending. I grew up in Cowlitz County and live here with my wife, children, and St. Bernard. Family is near and dear to me, including my Fibre Family. I believe we can help make our communities better if we choose to practice kindness daily and share bad dad jokes often!

Amber Mistic

Mortgage Lending Supervisor

I’ve worked here since 1996 and I’ve been in Mortgage Lending for over 10 years. I was born and raised in Cowlitz County and I enjoy helping people in the community with their home loan needs. In my spare time, I enjoy gardening, camping, and spending time with my husband and our dog.

Kelly Richards

Mortgage Loan Officer

Krichards@fibrecu.com
360-575-5766

I’ve been employed here since 2005. I enjoy assisting our members when purchasing or refinancing their home. I always try to go above and beyond for every member to ensure the process goes as smoothly and seamlessly as possible. Outside of work, I love spending time with my husband and children, riding my horses, hunting, and fishing.

Rachel Kyniston

Mortgage Loan Officer

Rkyniston@fibrecu.com
503-815-7258

Helping our members is what makes everything worth the long hours and dedication that go into every loan. I love that I’m empowered to help our members, even sometimes when others would not. Putting members and family in a new home or helping them consolidate debt are the reasons I love what I do! I have 11 grandchildren who make my life whole, along with skiing and regular trips to Disneyland!

Joe Neely

Mortgage Loan Officer

Jneely@fibrecu.com
360-575-5721

I began my career here in 1999, not long out of high school. I’m in an amazing marriage and have three children and three grandchildren. My grandchildren are the light of my life! In my spare time, I love to watch football and play fantasy football and golf with my son.

Stephanie Smith

Mortgage Loan Officer

Ssmith@fibrecu.com
360-423-8750 x1305

I’ve been working here since 2015. I’m married with two daughters, one granddaughter, and three great nieces. In my spare time, I volunteer with a dog rescue and I’m a volunteer transport driver for rescues and shelters. I also enjoy painting, doing puzzles or crafts, and spending time with my family, friends, and pets.

Jake Waeckerlin

Mortgage Loan Officer

Jwaeckerlin@fibrecu.com
360-938-0426

I started my career in the mortgage industry in 2020, working from home. I joined the Fibre Family in 2022, and I'm so glad to be working in person! In my spare time I enjoy golfing, hunting, fishing, and spending time with family.

Misty Tallman

Mortgage Business Development

The best part of my job is getting out in the community and meeting new people. When I'm not at work, you will find me spending time with my daughter, mostly at one of her sporting events!

Cheryl Davis

Mortgage Servicing Specialist

I’ve been working here since 1999. I began as a teller, moved to Consumer Lending, and I’m now in Mortgage Lending, where I plan on staying until I retire. I’ve always enjoyed the members and the relationships I’ve built no matter which department I worked in. In my time off, I enjoy spending time with my family and friends.

Heather Wright

Mortgage Loan Support

I’ve been with the Fibre Family since 1997, and I recently moved from Payment Services to join the Mortgage Lending team. I enjoy spending time with my family and friends, whether we’re going for walks or taking a mini vacation.

April Ford

Mortgage Loan Closer

I have been part of the Fibre Family since 2014. I started as a teller and worked my way up to Mortgage Lending. I enjoy mortgage lending and helping members, whether it is buying a new home or refinancing their current home. In my spare time, I enjoy time with family, friends, riding horses, and reading.

Mike Young

Mortgage Loan Closer

I’ve been working here since 2006, and I held several positions before joining Mortgage Lending. I have a son, a daughter, seven cats, and a dog. One of my biggest passions is singing karaoke, so you may find me at some local venues singing tunes in my spare time!

Real Words, Real People from the PNW

Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.

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