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.
Learn more about the benefits of our loan options.
Everyone Gets the Same Great Rate
People, Not Computer Apps, Decide
Get the Best Deal Before Closing
We Do Construction Loans Differently
We Love First-Time Homebuyers
Learn How Your Home Can Work For You
So Many Great Loan Options
Remember when lending was a simple process? Ours still is.
Speak to a Loan Officer
Our caring and knowledgeable team has the tools, strategies, and resources to help you accomplish your goals. If you’d like to start by speaking with a real person, we like your style!
Home Loan
Go tried and true with classic 10, 15, 20 and 30 year terms and up to 97% financing.
Refinance Loan
Getting a new mortgage to replace your current one may be the right solution.
Purchase Remodel Loan
Like a Conventional loan, minus the red tape of a government rehab loan.
First-Time Buyer Program
Discounted rates and fees are our housewarming gift to you.
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.
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 construction options.
Green Choice Loan
Build, buy or retrofit for energy efficiency and hel