Home Loans

There's no place like your own home

Whether you're looking to purchase a new home or would like to refinance or take equity out of an existing home, we have the loans for you with minimal fees, low interest rates and flexible payment plans. Our lending team and trusted business partners will work with you to find the best loan options to fit your personal needs.

Home Mortgages & Refinances

Whether you’re looking to purchase a new home or are interested in refinancing your current home, we have you covered. We’ve partnered with Consolidated Community Credit Union to provide you a variety of mortgage solutions guaranteed to fit your needs.

Get started now – contact our Lending Team at [email protected] or at 503.546.5000 to learn more about or apply online today.

Home Equity Loan

  • Fixed rate
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Terms up to 15 years

View Rates »

Home Equity Line of Credit

  • Fixed and Variable rates available
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Access to loan advances available in seconds via Speedyline
  • Open, revolving Line of Credit for the first 2 years
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Converts to a 10 year term loan after the 2nd year

View Rates »

For Lenders

Please use this Subordination Checklist when submitting packets to Point West.

Questions? Please contact the Point West Lending Team for assistance.

[email protected]


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Calculate & Consider.

Not sure what loan rates you’re able to afford? No worries! As a Point West Credit Union member you have access to a number of free, loan cost calculators. We have partnered with BALANCE to provide these resources at no charge to our members.

See Calculators

Loans Simplified.

As a not-for-profit, member-owned, Portland, Oregon based credit union, we return the money we make to our members in many ways, including low loan rates. Compare our loan products and rates today.

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*While interest is typically tax deductible, please check with a tax advisor to confirm deductions before taking on any loans.

The interest rate a member pays is based on the member’s credit worthiness, credit history, loan-to-value ratio and term of the loan.Minimum Line of Credit for the Fixed HELOC is $5,000. For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments.

To qualify for a HELOC, a member must have sufficient home equity to qualify for minimum line of $5,000. Rates change the 1st day of the following month after Prime Rate index changes. Minimum payment: 1.50% of outstanding balance. The margin connected to Prime Rate is determined by credit score.

NMLS ID #440206

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