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EUGENE, Ore. — Everywhere it seems credit unions are energized with efforts to keep the American Dream of home ownership alive. Whether it’s attempts to help people avoid foreclosure or launching first-mortgage programs, credit unions are trying harder to fill gaps in home lending.

Oregon Community Credit Union here just announced two new mortgage loan programs, including an ARMBuster Loan, which it created in response to looming foreclosures, and also added CUNA’s National Home Loan Payment Relief, or HLPR Loan, to its menu.

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