A Home Loan That Fits Your Needs BECU offers 1st time homebuyer loans, jumbo loans, refinancing options and everything in between. BECU's low rates and closing costs, along with user-friendly online tools make it easy to find a loan that fits your needs. And, as a not-for-profit credit union, we offer the best loans for our members, not the bottom line.
Low Rate, Low Closing Costs & No Hidden Fees Getting a home loan does not have to be a challenge. We offer straightforward terms and conditions that are easy to understand.
Home Loan Options for You
Fixed Rate Loans with terms from 10 to 30 years
Adjustable Rate Loans with terms from 30 years and adjustment intervals at 3, 5, and 7 years.
Jumbo Loans for buying or refinancing more than $417,000
12-Year No Fee Mortgage for homeowners who owe less than $250,000 and want to refinance without additional costs or fees
Are you Eligible for Home Affordable Refinance Program (HARP)?
If your mortgage is owned or guaranteed by Fannie Mae and you have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance your mortgage at BECU under the enhanced and expanded provisions of HARP. Apply today (by selecting Apply above) or call us at 206-439-5772. If you have further questions, e-mail us at harp@becu.org
Work With a Member Advocate & Receive Special Discounts*
The optional BECU Real Estate Services program assigns you a personal advocate who will help guide you through the entire purchase or selling process, from finding the right real estate agent to closing. You can also receive discounted closing costs and a 20% rebate on certified BECU real estate agent commision. Call us at 800-200-5618.
Get Started
We make the home loan application process easy with a user-friendly online application and a paper-free delivery and signing process.
*BECU Real Estate Services is a program provided by Prime Alliance Real Estate Services, LLC. Offers ubject ot change without notice.
Home Loan Programs, terms and conditions are subject to change without notice.
Building a custom home? BECU and CLC can help you!
If you are planning on working with a builder to create your dream home, click here to go to our site that lets you choose and apply for construction and construction-to-permanent home loans.
