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Whether you’re looking to purchase or refinance, whether you’re just starting your search or want to upgrade your home, we’ll help you achieve your next milestone. Get started by clicking the button below.


Our local Member Advocates are here to help.

Call or text us: 503-656-0671

Our call center is ready to help you out during our business hours:
Mon - Fri: 9:00AM-5:30PM
Sat: 9AM-1PM

Whether you’re looking to purchase or refinance, whether you’re just starting your search or want to upgrade your home, we’ll help you achieve your next milestone. Even if you’re still in the dreaming stage, we can work to develop a financial roadmap for your goals.

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Embold home loan experts are standing by. We’ll help you create a plan to make your dream a reality.

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Save on homeowner's insurance

Banking Boldly has its rewards. Our friends at TruStage® Insurance¹ can help you get a great home insurance policy at a great discount.

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Questions? We have answers

How you’ve handled your finances in the past helps us understand what to expect in the future. That’s why a good score can help you qualify for a better interest rate.

That said, your credit score is only one consideration in the lending process. Other considerations include your income, your monthly payment obligations and the loan term you select.

At Embold, we’ll work with you to understand your entire financial profile to ensure you get the loan and the rate that’s right for you.

Yes, it’s called a cash-out refinance. With this type of refinance, you can pay off your existing mortgage(s), pay off debts to simplify your financial situation, or get money for home improvements, college, weddings, or just life.

Yes. Your regular monthly payment is a combination of principal and interest. If you want to make a payment exclusively on your principal balance, you can include money in addition to your regular monthly payment and designate it as a principal payment. We design our loans to make this easy, should you want to do so. By making extra principal payments, you can pay off your loans sooner and save money on interest.

Yes. An appraisal establishes the value of your home. Since we can’t issue a loan for more than your home is worth, we need this information in order to move forward. We’ll schedule the appraisal while reviewing your loan application.

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Your next homeownership milestone is within reach.

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1) TruStage® Auto and Home Insurance program is offered by TruStage® Insurance Agency, LLC and issued by leading insurance companies. Discounts are not available in all states and discounts vary by state. The insurance offered is not a deposit and is not federally insured. This coverage is not sold or guaranteed by your credit union.

2) Embold Credit Union is registered with the National Mortgage Licensing System (NMLS #709344). Visit the NMLS Consumer Access link below to confirm our registration and that of our Mortgage Loan Originators. NMLS Consumer AccessSM, is a free service for consumers to confirm that the financial-services company or professional with whom they wish to conduct business is authorized to conduct business in their state.