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Home Loans

We'd love to welcome you home.

We're not just lenders - we're your neighbors. And we know that you’re not just buying any old house, you’re buying your home. It’s where you’ll go at the end of each day. The place where memories will be made.  

The decision to buy can be scary, but we'll do everything possible to put you at ease and guide you through the process - right up to that moment when you’re handed the keys.

  • Low rates and competitive closing costs
  • Repayment terms from 10 to 30 years
  • Refinancing options available
  • Fixed-rate and adjustable-rate loans
  • Special programs for first-time homebuyers
  • One-on-one application assistance from our friendly lending team
  • Loans serviced locally
You can apply online or call CUSO directly at 800-360-2876. Here's a handy checklist of items you may need when applying. 

Loan Programs

  • Loans with our partner CUSO Home Lending feature low down payments, fast application processing and expert guidance from lending professionals
  • Maine State Housing Authority (MSHA) loans feature low rates, reduced down payments and closing cost assistance
  • VA Loans offer 100% financing and other financial advantages for veterans, active-duty military personnel and reservists
  • Federal Housing Administration (FHA) loans are geared to people with modest incomes and come with flexible credit guidelines and lower down payments
  • USDA Rural Housing loans offer financial advantages for those who want to live in rural areas or certain suburbs
Oxford Federal Credit Union is a full-service financial institution serving members in Androscoggin, Cumberland, Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset and York counties in Maine.

Check out our special offers and promotions.