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Mortgage Loans

Buy your new home

Match your dream home with a dream loan

We work hard to offer the best options, pricing, and member-service in the mortgage market.

How it Works


Prequalify Your Loan

You can apply to prequalify before you start browsing homes or after when you know what price range you’re looking for.


Shop for Your Dream Home

Find the dream home that fits your budget and continue on your home-buying journey.


Choose the Best Mortgage

Apply online, give us a call, or stop by a branch and we’ll work with you to choose the best loan option for you.


Close and Move In

Complete the home-buying journey with the best step of all — moving into your dream home!

Today's Rates for Our Most Popular Mortgage Products

Mortgage Loans*


Annual Percentage Rate

*Mortgage Loans for home purchases offered through our partner, Consolidated Community Credit Union.

APR = Annual Percentage Rate. Rates include a 1% loan fee. Based on $200,000 loan with 20% down. Rates based on purchase of primary residence. Rates are subject to change without notice.

Fixed Rate - 30 Year



Fixed Rate - 15 Year



Adjustable Rate - 7 Year



Adjustable Rate - 10 Year



How Much Mortgage Might You Qualify For?

Most lenders base their home loan qualification on a number of different variables. We have made it easy for you to get an estimate of what you might qualify for.

Use our online mortgage calculator

Home Loan Options Customized to Your Needs

Trailhead has partnered with Consolidated Community Credit Union to provide you with some of the best options, pricing, and member-service in the mortgage market, with over 100 different loan options suited to your unique needs. All of our mortgage options include:

  • No application fees
  • Free loan pre-approval
  • Home loans in all 50 states
  • Low closing costs
  • A dedicated and experienced Member Service Officer to work with you throughout the process

Apply for a mortgage today

Apply online and we’ll provide you with options specific to your needs.

Get in touch

Call: 503-220-2592

Email: info@trailheadcu.org

Send a secure message through Digital Banking.

Apply for a Mortgage
Apply Online
Come on in!

Visit any of our branches:

Old Town: 221 NW 2nd Ave, Ste 100

Mississippi: 3904 N Mississippi Ave

Division: 3354 SE Division St

Frequently Asked Questions

Because the way you’ve managed your finances in the past can help predict how you are likely to do so in the future, lenders will consider your credit rating when you apply for a mortgage or other loan. Your credit rating is the clearest reflection we can see of how you handle your finances. A higher credit score may help you qualify for better mortgage interest rates, and some lenders may lower their down payment requirement for a new home loan if you have a high credit score.

Learn more about credit scores.

Yes, we will schedule the appraisal as part of reviewing your home loan application and you will receive a copy of the appraisal at closing. All lenders require a home appraisal before they will approve a home loan, because an appraisal gives us a trained professional’s point of view on the fair market value of the home to make sure it’s in-line with the purchase price.

Every home loan is different, so there is no set timeline for what a specific home mortgage process will require. Factors that affect how long the process takes include the type and terms of the home loan, the documentation required to secure the loan, and the amount of time it takes to provide your lender with those documents.

Our lending specialist will work closely with you so that deadlines are met and your rate locks are honored in such a way that helps you meet your timeline.