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Your dream home is waiting for you—and our team of local professionals can help you get there.

Whether you want to cash out your equity, lower your payments or pay off your loan sooner, we have a refinancing option for you.

Whatever the project, a HELOC (or Home Equity Line of Credit) can help you utilize the value you’ve built in your home.

Select a Loan Officer to Get Started

Our loan officers can help you find the best solution for your mortgage needs.

Sharon Whittemore
Sharon
Whittemore
Mortgage Loan Officer

Sharon Whittemore - Mortgage Loan Officer

NMLS #776181

“Like in so many aspects of life; what ends up mattering, above all, is the relationship we are able to earn and keep that end up meaning the most.”

I’ve had the pleasure of serving my neighbors in the mortgage industry for over 30 years now. I joined the Maps Credit Union team in 2017, and they’ve given me the opportunity to do what I do best; help families reach their goals. I enjoy the entire mortgage loan process, and I’m invested in helping create a great outcome from beginning to end for each and every client who trusts me to help them. My commitment to listening, executing; and following through is unwavering.

When I’m not helping borrowers, you may find me crafting, scrapbooking, or making cards. I enjoy spending time with my husband, granddaughter, and my entire family.

If I wasn’t a Mortgage Loan Officer here at Maps, I think I would work in the schools teaching crafts to the children. It is a great mix of two things I love.

Tim Lindemann
Tim
Lindemann
Mortgage Loan Officer

Tim Lindemann - Mortgage Loan Officer

NMLS #223510

“The most rewarding thing about what I do is helping members reach their goals. For some, it’s fulfilling a lifetime goal of homeownership, and for others, it’s refinancing and enjoying some of that hard-earned equity.”

As a lifelong resident of the Willamette Valley, I have over 29 years of lending experience in multiple roles, including managing a local finance company. In 2020 I began a new journey with Maps Credit Union as a Mortgage Loan Officer, and I’m excited to join such a staple in the community. My goal is to make your borrowing experience as simple, quick, and informative as possible with great communication from start to finish.

When I’m not helping borrowers, I enjoy spending time with my family and friends. You might also catch me on the links golfing, woodworking, or working in the garden at home.

If I wasn’t a Mortgage Loan Officer here at Maps, I think I would be a contractor. I have always wanted to know how to build a home from the ground up, and watching it grow from the ground up would be very rewarding.

Doug Ecclestone
Doug
Ecclestone
Mortgage Loan Officer

Doug Ecclestone - Mortgage Loan Officer

NMLS #2248554

“I love being able to apply my knowledge of lending to help members with their home loan needs. I strive to make the process fun and with as little stress as possible.”

The key to my success over the last 13+ years in banking has been my ability to listen. I joined Maps Credit Union back in 2017, and they have helped me flourish in all of my roles by knowing what is important to me. Listen, understand, then be able to explain things back to a member so they can understand and not feel lost in the transaction is what makes us all successful. I pride myself on finding the right loan program to meet their needs and goals.

When I’m not helping borrowers, you may find me camping in the forest or at the dunes with my two wonderful daughters. I grew up bowling and playing football and still enjoy the occasional game of chess.

If I wasn’t a Mortgage Loan Officer here at maps, I think I would be an FBI profiler. Then I’d retire and become a season ticket holder for the Green Bay Packers while I live out the rest of my life camping, fishing, and spending time with family.

Tracy Holstege
Tracy
Holstege
AVP of Mortgage Lending

Tracy Holstege - AVP of Mortgage Lending

NMLS #2181234

Choosing a mortgage team is about finding people you are comfortable with for the long haul. I want to build lifelong connections with everyone we work with guided by integrity and performance.

I got my start in the mortgage industry over 20 years ago, and now I use that relevant experience to lead our team as the AVP of Mortgage Lending. I joined Maps Credit Union in 2011 and have held multiple different roles centered around operations. Since my time here, I have focused tirelessly on our department’s success. Building and encouraging a team that feels strongly about connecting with our members, and building trust, integrity, and a service-minded attitude, has been my goal.

When I’m not leading my team, you can find me on the soccer field, tearing it up, or working out in the gym. I love spending time with my family and being involved with our Capital Futbol Club here in Salem, Oregon.

If I wasn’t a AVP of Mortgage Lending at Maps, I think I wouldn’t be doing anything too crazy. I’d probably just be a professional shopper or soccer player scoring goals all over the world.

Echo Hutto
Echo
Hutto
Mortgage Sales Manager

Echo Hutto - Mortgage Sales Manager

NMLS #325644

With 32 years of experience in mortgage origination and sales, I am thrilled to be a part of the Maps Credit Union mortgage team.  Throughout my career journey, I have successfully developed and grown high performing teams who uphold the core values of commitment, character and competence. Being both a mortgage originator and a leader allows me to serve both my team and my community by making home ownership a reality for the thousands of members we serve.  

On my down time, I enjoy the community I live in by attending musical events, festivals, wineries and the beautiful mountains and coastal cities.  I really can’t think of anything better!

Rates

Mortgage Rates

Loan ProgramRateAnnual Percentage Rate (APR)PointsPayment
15 Year Fixed (Conforming)5.875%6.034%0.000%$2,929.91
30 Year Fixed (Conforming)6.625%6.752%0.250%$2,241.09
30 Year FHA6.000%6.830%0.125%$2,098.43
30 Year VA6.125%6.433%0.125%$2,126.64
Zero Down 20 Year Fixed6.875%7.021%0.125%$2,687.35
Educator 100% 30 Year Fixed8.250%8.372%0.000%$2,629.43

Rates good as of August 20, 2025 and are subject to change without notice. The rates listed above are for a purchase loan amount of $350,000 and assume a 740+ credit score. Please reach out to a Mortgage Loan Officer for a specific rate quote.  Refinance Rates can be higher than what is listed here.

Rates Disclosures

Rates may vary depending on each individual’s credit history and underwriting factors. All loan applications are subject to credit and property approval.

Payments shown are Principle and Interest Only and do not include any required mortgage insurance or any financed fees for government loans which may increase the mortgage balance and payments. 

The APR for 30-Year FHA includes the Upfront Mortgage Insurance Premium of 1.75% of the balance. The APR for the 30-Year VA includes an estimated funding fee of 2.15%. The APR for the 30-Year USDA includes the guaranteed fee of 1%. 

Zero Down
New purchase only. Maximum loan amount is based on FHA loan limits (ex. Maximum in Marion County is $498,257) . Property must be a single-family residence and located in Oregon. Mortgage Insurance and Escrow are required. Minimum contribution to cover fees and the appraisal must be the greater of $1000 or 1% of the purchase price.

Educator 100%
New purchase only. Maximum loan amount is based on FHA loan limits  (ex. Maximum in Marion County is $498,257). Property must be a single-family residence and located in Oregon. Escrow is required. Loan-to-Value may not exceed 100 percent. Borrower responsible for appraisal and closing costs. 15-year and 30-year term available.

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