Mortgage Lending

Mortgage, Land, and HELOC Lending

Oconee Federal offers a full suite of mortgage lending products. Whether you are a first time home buyer, constructing your dream home, or refinancing for a better rate, we have a product to fit your lending needs.

Contact a Lender

Fixed Rate Mortgages

Our low fixed rate mortgages are available for purchase or refinance loans. We offer 30, 20, and 15 year fixed rates where the interest rate and monthly payment will remain the same throughout the life of the loan.

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Adjustable Rate Mortgages

If you are looking for a lower rate or plan to stay in your home a shorter amount of time where a longer term fixed rate mortgage may not make sense, then an adjustable rate mortgage (ARM) might be the best option for you. We offer 5/1, 7/1, and 10/1 ARMS.

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Government Loan Programs

Oconee Federal offers multiple government home loan programs. Eligible borrowers can take advantage of these programs by contacting one of our lending professionals.

  • FHA
  • VA
  • USDA
  • Fannie Mae/ Freddie Mac
  • Home style renovations


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Construction-Permanent Loans

Let us help you build your dream home or renovate your existing home!

  • One time closing for the entire transaction, no second closing for the permanent phase
  • A fixed interest rate throughout the construction process
  • Interest only payments during construction
  • Allow equity in land to be considered as part of your down payment
  • We offer the Built® Construction management tool to assist in the construction phase of your project
  • 30, 20, 15 year and Adjustable Rate construction loans are available


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Home Equity Line of Credit

Oconee Federal offers home equity lines of credit (HELOC) which can allow you to use the equity in your home for improvements or to help fund life events such as vacations or college tuition or consolidate your other debts. Call us to discuss if a HELOC is right for you.

Lot and Land Loans

We offer special rates for residential lot loans (less than 2 acres) for Borrowers who intend to construct their home on the lot within 36 months.

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