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Home Loans

We have a home loan to fit your needs.

People's Community Credit Union serves the greater Vancouver WA area.

Your home is one of your biggest investments, so make sure you work with local people who listen to your needs.

Whether you are buying a new home, refinancing your current mortgage, or planning home improvements, People’s has you covered. You can rest assured you’ll always be dealing with the friendly staff at People’s.

Home Loans

Are you ready to purchase a home, but not quite sure where to start?

At People’s we get a lot of questions from members looking for financial guidance. We’ve compiled the most common questions about home loans and refinancing for your reference.

If you need help navigating these big decisions, click the button below to speak to our member services representatives.

Buying a New Home or Refinancing?

Navigating the home buying and refinancing processes can be tricky. We’re here to help! Your home is one of your biggest investments, so it’s important to fully understand all of your options. There are a lot of steps to buying a new home or refinancing your home, and you may be nervous about what feels like a daunting process. We’ve created a guide below to help clarify the whole process and outline all of the options that may be available to you at every step of your home buying journey. Whether you are buying a new home, refinancing your current mortgage, or planning home improvements, People’s has you covered. Browse our FAQs below to get answers to our most commonly asked questions!

Buying a New Home

We require all loan applicants to become members prior to applying for a loan through us. As a community credit union based in southwest Washington, this allows us to better serve our customers on an individual basis and provide the attention you deserve. The good news is that it’s easy to join — if you live, work, or worship in Clark, Cowlitz, or Skamania counties, you’re eligible to join the credit union and gain all the benefits of membership.

Depending on the type of loan, you typically cannot roll closing costs into your mortgage. However, there are ways to reduce your up-front cost when purchasing a house, like reducing your downpayment.

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Loan-to-Value Ratio, or LTV Ratio, measures the difference between the value of a home verses the amount of the loan. A lower downpayment typically results in a higher LTV ratio.

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A fixed-rate mortgage is a type of home loan where the interest rate stays the same for the entire life of the loan.

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Getting pre-qualified is fairly simple. You’ll answer a few questions about your earning, assets, etc. But there is no commitment. The pre-approval process on the other hand is much more comprehensive. The lender will verify your income, pull your credit report, and more.

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It may be a good idea to refinance your home if interest rates have dropped, if your property value has increased, or if your credit score has improved.

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The process of buying a home can feel overwhelming and confusing, especially if you haven’t done it before. That’s why we’ve put together our top tips for first-time home buyers to make the process go as smoothly as possible.

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Current Homeowners

If you are unable to afford your mortgage payments and wish to avoid foreclosure, there may be other options for you to explore.

  • Refinance for Lower Payments
  • Sell Your Home
  • Loan Modification
  • Assistance Programs

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The Pacific Northwest's Trusted Credit Union Since 1952

Looking for a financial institution you can trust? With People’s you’ll find a wide variety of accounts for all your financial needs—whether you’re a savvy saver, a young family looking for a better auto loan rate, or opening your very first checking account.

Questions? Member services is here to help!
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Mortgage Calculators

Our financial experts have compiled tools to help you calculate everything you need related to buying and refinancing a home.

At People’s, All Members Get the Same Rate

People’s provides members with access to affordable credit through low-rate loans. What sets our credit union apart is that all members pay the same rate, no matter their credit score or amount in their account. We are here to help you with your financial needs.

Five Locations in Vancouver WA

Home Loans in Vancouver WA

Serving Greater Vancouver WA

Vancouver | Fishers Landing | Hazel Dell | Battle Ground | Ridgefield | Salmon Creek

Orchards | Minnehaha | Walnut Grove | Hockinson | Baker | Sara | Felida | Cascade Park