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Home Loans

Whether you’re buying a new home, refinancing, or pulling equity from your existing home, our experienced loan experts can help find the right loan for your needs—and save you more on fees and closing costs so you're ready to tackle whatever comes next.

Purchase a Home Refinance a Home
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One-stop shop for mortgages

Whether you're hitting the housing market for the first time, hunting for your forever home, or anything in between, we’re here to help. 

  • Wide array of conventional and government programs, including FHA, VA, and USDA mortgages. 
  • Low rates and a range of terms. 
  • Knowledgeable team of loan officers with an average of 20 years' experience helping members find their way home.
Purchase a Home
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HELOCs to meet many needs

Put your home’s equity to work with a Home Equity Line of Credit.

  • Help pay for home renovations, education, or medical expenses.
  • Consolidate higher-interest debt. 
  • Borrow only what you need with a Home Equity Visaimagenyw3i.png card and/or checks. 
Learn More About HELOCs
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First-time home buyer

In the market for your first home? Let us help you navigate the homebuying process to help you confidently make the best decisions along the way. Get started by checking out our mortgage calculators and some common FAQs.

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Ready to refi?

Whether it’s to pay off your home faster, consolidate high-interest debt, or lower your monthly payments, our experienced loan experts can help you:

  • Find the right loan for your goals
  • Get the best rate possible
  • Save on fees
Learn More About Refinancing
 I was working with another mortgage broker in Southern California. When our home search moved to Bend, my intent was to stick with our broker. Our Bend realtor recommended Erin Torrance at SELCO. I decided to give Erin a call. Wow! It became crystal clear that the service level Erin provided was vastly better than my existing broker so I decided to give Erin a shot at our business. She won our business with genuine concern for our best interest, local knowledge, and her responsive, respectful demeanor! Working with a team local to Bend was a game changer - the care and service was outstanding! 
— Ric & Carrie B., New SELCO members in 2024

Resources

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First-Time Home Buyer? Get to Know Homeowners Insurance

Once you buy your new home, it's time to get to know the ins and outs of homeowners insurance to protect your investment.

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Homeowners Can Put Equity to Work with a HELOC

While upgrades, renovations, and additions often help maintain or even boost a home’s value, these undertakings can be costly. Thankfully, homeowners have an effective tool at their disposal—their home’s equity.

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Demystifying Mortgage Terms, Part II

Learn how to differentiate between common mortgage terms like PMI, escrow, conventional vs. FHA loans, and more.

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Buying a Home During Winter

Winter may not be the prime season for buying a home. But there are some surprising benefits of finding your dream home in the coldest months.