Home Mortgages Loans

If you’ve been thinking of refinancing your present home or purchasing a new one, we have a mortgage program to fit your needs. 

OCCU offers a wide variety of mortgage programs such as conventional, and fixed rate.  Credit Union mortgages offer simple interest, no prepayment penalties with a variety of terms and payment schedules.  Our Loan Officers will help you select the mortgage program that will best meet your financial needs.

Automatic Transfer – Monthly Loan Payments

Members who do not currently have the convenience of payroll deduction may sign authorization forms to have their monthly loan payments transferred from their checking account.

Preauthorized Payments

If your mortgage company, insurance company, brokerage firm, online service provider, or other company or corporation participates in this program, you may authorize automatic payments to be deducted from your checking account or use our own Bill Pay service provided to you through your Online Branch if you have a checking account with us.

Additional Mortgage Options


* Purchase a new home
* Conventional, Jumbo, FHA, and VA loans
* Refinancing to lower your rate: HARP 2.0
* Primary, 2nd Homes or investment properties
* Low down-payment options

To Apply for a Mortgage, please call into our…
* Main Office Mortgage Loan Department @ 352-509-3201
* Marion Oaks Branch Mortgage Department @ 352-470-0889.

Compliance:
Steven Nazaruk, NMLS# 1123139
Vicky Karpiw, NMLS# 567683
Diane Guinn, NMLS# 462736

Current Mortgage Rates

Reminder: iPay Solutions' annual DAE this weekend iPay Solutions' annual Disaster Avoidance Exercise (DAE) begins this weekend: Oct. 19-20. We will roll our services to an alternate facility beginning at 11 p.m. ET Saturday, with completion by 5 a.m. ET Sunday. We will transition all services back to our primary site the following weekend, beginning at 11 p.m. ET Saturday, Oct. 26, with completion by 5 a.m. ET Sunday, Oct. 27. Please note: • All iPay Solutions products will be unavailable during the transitions. • The downtime will affect customer-facing bill pay sites, MASTER site, MARS sites and all other access points in to iPay Solutions, including Mobile API, Bill Pay Services API, and other ancillary web services.
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