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First-time homebuyer. Future homeowner.

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.

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.

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

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

30-Year Fixed Rate

5.990%
Interest rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.796%
APR Annual Percentage Rate: The cost of the loan, including interest and fees.
Apply now
Payment example
Here's what you'll need

Rates subject to change at any time. 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.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337750.00 and an estimated property value of $350000.00 (96.5000% LTV). The property is located in Olympia, WA and is within Thurston County. The property is an existing single-family home and will be used as a primary residence. The assumed credit score is 720 and includes a 1.75% upfront mortgage insurance, and includes discount points of 0.0000 with $2763.00 in finance charges.

At a 5.990% interest rate, the APR for this loan type is 6.796%. Payments do not include taxes and insurance premiums. The monthly payment schedule would be:

360 payments of $2022.81

Here's what you'll need

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

to get started.

Estimate your monthly payment with our Mortgage Calculator.

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

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

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

30-Year Fixed Rate

6.750%
Interest rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.878%
APR Annual Percentage Rate: The cost of the loan, including interest and fees.
Apply now
Payment example
Here's what you'll need

Rates subject to change at any time. 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.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300000.00 and an estimated property value of $375000.00 (80.0000% LTV). The property is located in Olympia, WA and is within Thurston County. The property is an existing single-family home and will be used as a primary residence. The assumed credit score is 750 and includes discount points of 0.3750 with $2763.00 in finance charges.

At a 6.750% interest rate, the APR for this loan type is 6.878%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

360 payments of $1945.79

Here's what you'll need

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

to get started.

Estimate your monthly payment with our Mortgage Calculator.

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

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

Here's what you'll need

Mortgage, Home Equity and Equity Line of Credit

  • SSN or ITIN
  • Date of birth
  • Address
  • Employment information and income
  • Approximate total debt

Here are some of the things we may ask for later in the process:

  • Paystubs for the last 30 days
  • 2 most recent W-2s
  • 2 most recent tax returns
  • 2 most recent bank statements
  • Homeowners insurance declarations page

For a detailed list of documentation, see our Mortgage Application Document Checklist.

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.

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.

Resources

What type of home loan is right for you?

Step-by-Step Guide to Getting Your First Mortgage

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