Skip to main content

Main Header

Appointments Branches & ATMs Join Now
Sign in

First-time homebuyer. Future homeowner. First-time homebuyer

We'll guide you every step of the way to make your first home purchase as smooth as can be. We offer:

Become a homeowner

First-time homebuyer. Future homeowner. First-time homebuyer

We'll guide you every step of the way to make your first home purchase as smooth as can be. We offer:

Become a homeowner

How does it work? Three simple steps.

Apply for a conditional approval.

Find out what you can afford and start shopping for a home.

Make an offer.

Include the conditional approval with your offer. Complete your application.

Close with confidence.

Sign the closing documents and get the keys to your new home.

Which WSECU home loan is right for you?

We offer loans with different terms and interest rates, so we can accommodate different budgets and down payments. Explore our options to find the one that best meets your needs.

a couple embracing while one of them holds the keys to their new house

Zero Down Mortgage

If you have a strong credit score, you may qualify for a zero-down fixed- or adjustable-rate loan. WSECU offers 100% financing on primary residence purchases, making homeownership possible for many first-time homebuyers.

Please call 800.562.0999 for our current rates.

Become a homeowner

Here's what you'll need

Zero Down Mortgage

If you have a strong credit score, you may qualify for a zero-down fixed- or adjustable-rate loan. WSECU offers 100% financing on primary residence purchases, making homeownership possible for many first-time homebuyers.

Please call 800.562.0999 for our current rates.

Become a homeowner

Here's what you'll need

a couple embracing while holding the keys to their new house

FHA 30-Year Fixed Rate

6.250%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.107%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
Payment example
Here's what you'll need

Rates subject to change at any time.

FHA Mortgage

With a down payment as low as 3.5% and flexible credit requirements, turn the dream of owning a home into reality with a mortgage insured by the Federal Housing Administration (FHA).

Become a homeowner

Here's what you'll need

FHA Mortgage

With a down payment as low as 3.5% and flexible credit requirements, turn the dream of owning a home into reality with a mortgage insured by the Federal Housing Administration (FHA).

Become a homeowner

Here's what you'll need

FHA 30-Year Fixed Rate

6.250%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.107%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
Payment example
Here's what you'll need

Rates subject to change at any time.

30-Year Fixed Rate

7.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.264%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
Payment example
Here's what you'll need

Rates subject to change at any time.

30-Year Fixed Mortgage

With a minimum down payment of 5%, you can enjoy consistent mortgage payments and a rate that won't change over time. Private mortgage insurance (PMI) is not required for down payments of 20% or more.

Become a homeowner

Here's what you'll need

30-Year Fixed Mortgage

With a minimum down payment of 5%, you can enjoy consistent mortgage payments and a rate that won't change over time. Private mortgage insurance (PMI) is not required for down payments of 20% or more.

Become a homeowner

Here's what you'll need

30-Year Fixed Rate

7.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.264%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
Payment example
Here's what you'll need

Rates subject to change at any time.

Get the mortgage that's right for you.

Whether you're buying your first home or vacation home, we'll help you get a mortgage rate and term that fits your needs. Speak with a WSECU mortgage specialist today.

Contact us

Why choose WSECU for your home loan?

We have loans to fit your finances.

Buying a home doesn't have to be a headache. Get a home loan that fits your budget. We offer competitive rates on mortgages so you can get into your dream home for less.

Why choose WSECU for your home loan?

woman petting a dog

We have loans to fit your finances.

Buying a home doesn't have to be a headache. Get a home loan that fits your budget. We offer competitive rates on mortgages so you can get into your dream home for less.

two children sitting in an empty house with a dog

We're always here to lend a hand.

It's all about that friendly and personal touch. We treat our members like neighbors — not numbers. If you need advice, information or want to share how excited you are about a recent open house, we’re here for you.

little girl playing with a house plant

You love Washington. So do we.

As a member-owned not-for-profit credit union, we’re pleased to offer services at more than 21 locations throughout Washington state. When you have questions or need help with the homebuying process, we’re here for you.

Resources

What type of home loan is right for you?

How to Choose the Best Mortgage

Step-by-Step Guide to Getting Your First Mortgage

* These mortgage rates are based on assumptions and conditions including but not limited to property type, occupancy, loan-to-value and credit score. Your interest rate will be based on loan specifics and your credit history. Once your rate is locked, a float-down option may be available.

Ready to take the first step?

Get prequalified and start shopping for your dream home today.

Become a homeowner

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.

Feedback submission button and cookie policy notification.