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Many Ways to Say: Welcome Home

We take a mi casa es su casa approach to home loans: the advantages we’d want for ourselves, we offer to you:

What starts at OlyFed stays at OlyFed
We don’t sell our loans to third parties – that’d be like selling our relationship with you! We assure top-quality service by providing it ourselves.

Everyone gets the same great rate
No risk-based pricing with our home loans, you’ll get our advertised rate regardless of credit score.

People, not computer apps, decide
We click “delete” on automated underwriting with home loans. We believe actual humans make better lending choices.

You’ll always get the best deal before closing
We hold your rate at application, but if a better number comes along, no worries; it’s yours.

Our neighbor-helping-neighbor business model
Each time we close a new mortgage loan for a customer purchasing or constructing a new home, we make a contribution to
our Affordable Housing Assistance Fund in their honor.


Once you’ve started your loan process, you can log-in to your personal portal to check your loan status, securely upload documents, and get reminders on what to do next.

Loan Portal Login


 

So Many Great Loan Options

Remember when lending was a simple process? Ours still is.

Start Your Loan Today with a Loan Officer

Our caring and knowledgeable team has the tools, strategies, and resources to help you accomplish your goals. Please reach out and we’ll be happy to answer your questions or start your application.

Home Loan

Go tried and true with classic 10, 15, 20 and 30 year terms and up to 97% financing.

Purchase Remodel Loan

Like a Conventional loan, minus the red tape of a government rehab loan.

Home Equity Line of Credit (HELOC)

Exercise your equity for home improvements, debt consolidation, education, and other uses.

First-Time Buyer Program

Discounted rates and fees are our housewarming gift to you.

Learn More

Construction Loan

Not only do we roll construction costs and permanent financing into one convenient package, we also close up-front on permanent financing, hold your interest rate at application (if the rate goes down prior to closing, you receive the lower rate), accept ‘interest only’ payments as funds are used during the construction period and have no prepayment penalties. We also provide an automated project management system.

Learn More

Home Equity Loan Program (HELP)

Leverage the value you already have with our Home Equity Loan Program.

Be sure to ask about our Green Choice Retrofit HELP! This loan is perfect for upgrading or retrofitting your home with energy-efficient components like: ductless heating systems, Low E windows, upgraded insulation, tankless water heater, energy efficient appliances and solar panels.

This program provides:
1.) Borrow up to 90% of your home’s value.
2.) Loan fee waived with low closing costs*.
3.) Reduced interest rate.

*With all proceeds for upgrades done by a licensed contractor.

Jumbo Loan

You need $825,000 or more? We got this!

Affordable Loan Program

Yes, you can live the dream. To help eliminate the barriers to homeownership, we’ve created a special loan program for potential borrowers with earnings at 80% or less of the median income levels in Thurston and Mason counties. To provide flexibility and choices, we offer a purchase, refinance and