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Loan Options

BECU is here to partner with you on your path to owning a home.  We offer flexible loan options, competitive rates, and first-time buyer grant programs, all supported by our local trusted mortgage advisors. From down payment as low as 3% to FHA and VA loans, we've got you covered each step of the way with personalized support tailored to your financial situation.

*Buyers must meet all the first-time homebuyer grant program criteria, including loan and property qualifications, all of which are not listed here. BECU reserves the right to alter or change criteria.

All federal, state, and local taxes imposed on the acceptance of a grant are solely the responsibility of the applicant. BECU will issue an IRS Form 1099-MISC or W-2 to an applicant where a Form 1099-MISC or W-2 is required by applicable law. Applicants should consult their own accountant(s) or tax advisor(s) to determine tax implications, if any.

  • Fixed Rate Mortgages

    Fixed rate mortgages are the simplest. Your payment will not change over the life of your loan because your interest rate cannot change. These are among the most popular loans for those reasons.

  • Adjustable Rate Mortgages

    Adjustable Rate Mortgages, ARMs, offer a lower starting interest rate and therefore, a lower monthly payment. Your rate and your payment may increase, though, as time goes on. ARMs are useful loans for a variety of circumstances.

  • Jumbo Loans

    If you've found a home that requires a loan amount over $766,550, a jumbo loan can increase your purchasing power. We offer a variety of Jumbo loans up to $3 million, with flexible down payment options to meet your unique financial needs.

  • Construction Loans

    Construction loans help make homebuilding possible. With all-in-one construction loan, construction and permanent loan financing are rolled into one loan, so you can lock in your interest rate before you break ground.

  • Unique Loans

    We offer a number of unique loans that may fit your particular needs including FHA and others. Talk with us about your needs and we'll help find a loan that is right for you.

Mortgage Rates

The Loan Consultant feature determines the products and rates that match your needs.

Ready to Start?

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.

Apply