Tracy Holstege
Director of Mortgage Lending – Proffesional Center
Email Tracy
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 Director 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 Director 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.
Mortgages
Swipe left to scroll table.
| Program Name |
Rate |
APR |
Points |
Payment |
|
| 15 Year Fixed (Conforming) |
5.875% |
6.012% |
0.000% |
$2,929.91 |
|
| 30 Year Fixed (Conforming) |
6.250% |
6.335% |
0.000% |
$2,155.01 |
|
| 30 Year FHA |
6.000% |
6.616% |
0.000% |
$2,098.43 |
|
| 30 Year VA |
6.125% |
6.355% |
0.250% |
$2,126.64 |
|
| 30 Year USDA Rural Home Purchase |
6.500% |
6.908% |
0.000% |
$2,212.24 |
|
| Zero Down 20 Year Fixed |
6.125% |
6.244% |
0.375% |
$2,532.81 |
|
| Educator 100% 30 Year Fixed |
7.625% |
7.710% |
0.250% |
$2,477.28 |
|
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 good as of 3/29/2023 and are subject to change without notice. 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 function fee of 2.3%. 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 $483,000) . 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 $483,000). 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.
| Origination (0.125% of Loan amount based on $350K) |
$437.50 |
| Admin, Processing |
$1,145.00 |
| Flood |
$0.00 |
| Credit Report |
$0.00 |
| Appraisal |
$775.00 |
| Escrow |
$987.50 |
| Recording |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| Origination (0.125% of Loan amount based on $350K) |
$437.50 |
| Admin, Processing, |
$1145.00 |
| Flood |
$0.00 |
| Credit Report |
$0.00 |
| Appraisal |
$775.00 |
| Escrow |
$987.50 |
| Recording |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| Origination (0.00% of Loan amount based on $350K) |
$0.00 |
| Processing (Underwriting) |
$1,050.00 |
| Flood |
$14.50 |
| Credit Report |
$0.00 |
| Appraisal |
$905.00 |
| Escrow |
$912.50 |
| Recording & Reconveyance |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$75.00 |
| Title Endorsements |
$100.00 |
| Upfront Mortgage Insurance |
$6,125.00 |
| Origination (0.125% of Loan amount based on $350K) |
$437.50 |
| Admin (Underwriting) |
$950.00 |
| Flood |
$15.50 |
| Wire + MERS |
$0.00 |
| Appraisal |
$825.00 |
| Escrow |
$875.00 |
| Recording & Reconveyance |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| VA Funding Fee - First Use |
$8,050.00 |
| Origination (0.000% of Loan amount based on $350K) |
$0.00 |
| Admin, Processing |
$1,145.00 |
| Flood |
$0.00 |
| Credit Report |
$0.00 |
| Appraisal |
$850.00 |
| Escrow |
$875.00 |
| Recording & Reconveyance |
$325.00 |
| Title (Based on $350K - will vary) |
$415.00 |
| Tax Service |
$0.00 |
| Title Endorsements |
$100.00 |
| Upfront Guarantee Fee |
$3,500.00 |
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