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Apply For a Home Loan

To apply for your easy online loan, all you have to do is answer a few simple questions about yourself, your property and your income, debts and assets. You will also be required to electronically consent (E-Consent) to receiving online disclosures. The benefits of E-Consent include:

  • Eliminating a possible closing date delay due to US Mail delivery timeframes
  • Allowing enough time for mandatory review periods
  • Receiving documents in a safe and secure manner

If you wish to apply without E-Consenting, please contact a Mortgage Loan Officer by calling 206-439-5772 or by scheduling an in-person appointment with a Mortgage Loan Officer at becu.org.

If you just started house hunting, use our calculators to get a good idea of your loan options. The next step is to see what you qualify for.

When you're ready to apply for a loan, gather your information and answer a few questions about yourself and the property. The loan application will generate a credit report that will be sent to you and BECU.

Browser Requirements:  For best results, use one of the following browser versions: Internet Explorer 9.0 or higher, Mozilla Firefox 2.5 or higher, Safari or Google Chrome. Other browsers, such as Edge, may work with the site but compatibility is not guaranteed.

  • Before You Start

    How long will it take?

    On average it takes 15-20 minutes.



    What will I need?

    Here are some simple checklists:

  • Your Application

    Need some help?

    Look on the right-hand side of the screen for some helpful hints.



    Short On Time?

    You can save your application at any point and come back later.

  • Once You're Finished

    What happens next?

    Some programs may give you instant online approval.



    If that's not an option?

    Your application will be under review, login at any time to see the current status of your application.


Start your Application

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Enter loan application information
Are you a BECU member or eligible for membership?
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Home Rewards Program offers cash back when you buy or sell a home. Details under Rates & Services. Are you working with a real estate agent?
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