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

Regarding Safari access issues to bill pay iPay Solutions Safari update required to restore access to bill pay 01-10-2020 Subscribers who have updated to the latest release of Safari are experiencing an inability to use the bill pay product. The last Safari release defaulted browser settings to not allow third-party cookies or cross-site tracking. In addition, after changing browser settings to allow cookies and cross-site tracking, Safari is not saving the updated browser settings causing frustration for subscribers when logging in to their next bill pay session. Apple is releasing patches to resolve this issue: • Version 13.3 for iOS has been released and the issue is resolved. • Version 13.1 for MAC OS has been pre-released to beta users. We have seen positive results, but do not have a date for general availability. There are two temporary solutions: • Change browser settings to allow third-party cookies and cross-site tracking each time when logging in to bill pay. • Temporarily use another browser until the new Safari version is available.
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