Fast, Accurate, & On Time
Home Loans
Your Home, Your Future: Simplified with Orion
Whether you are purchasing a home or refinancing a property, find the perfect mortgage with competitive rates, flexible terms, and personalized support for every step of your homeownership journey.
Why Choose Orion Financial for Your Home Loan?
We’re guiding our members on the path to homeownership, turning their dreams into a reality.
- Easy & Free Digital Mortgage application portal
- Fast closings with efficient local underwriting
- Competitive mortgage rates
- Low and zero down payment options available
- Expert Mortgage Loan Officers to assist you
Home Loan Options for Every Buyer
Whether you're a first-time homebuyer or seeking a specialized loan, Orion Financial provides a range of options designed to suit your individual needs.
Conventional Loans
Orion Financial offers conventional home loans with flexible loan-to-value ratios. Typically closing on an expedited timeline, conventional home financing can get you into your new home as soon as possible.
- Flexible loan-to-value ratios of 97%, 95%, 90%, and 80%
- Fast and local underwriting
- Low down payment options available
- Easy online application process
FHA Home Loans
FHA home loans are designed to put the dream of homeownership within reach for people who might not meet the requirements for a conventional loan or have a sizeable down payment.
- Minimum down payment of 3.5%
- Flexible underwriting
- Apply family gifts toward your down payment or closing costs
- Fast and local underwriting
VA Loans
The VA thanks active and veteran soldiers for their service with affordable home loans that put the dream of homeownership within reach.
- No down payment requirement
- Limited closing costs
- No mortgage insurance required
USDA Loans
Available in 97% of the geographical United States, USDA loans are designed to make homeownership accessible with reasonable underwriting and no down payments.
- No down payment required
- Flexible closing cost options
- Competitive interest rates
Orion Portfolio Loans
Our in-house home loan program is ideal for members who prefer local service that will take them from the application through to their final mortgage payment.
- Common-sense underwriting
- Low and no down payment options
- May be able to avoid private mortgage insurance (PMI)
Home Equity Line of Credit (HELOC)
Orion Financial makes it easy to leverage the equity of your home with competitive rates for renovations, debt consolidation, or other expenses.
- No Early Terminations or prepayment penalty
- 10-year withdrawal period allows for flexible spending
Can't Decide? Ask an Expert!
Mortgage Rates
Orion Financial is committed to our community. Communities deserve fair pricing on mortgages; fair pricing requires openness. Orion Financial publishes mortgage rates daily, but many other lenders are not as transparent.
Meet Our Loan Officers
Our expert loan officers are ready to assist you throughout the entire mortgage process, offering personalized guidance and professional support.
Financial Education
Resources for First Time Home Buyers
Unlock all the essential tips and insights you need to confidently buy your first home with our expert guides and resources!
Mortgage Calculators