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Mortgage Purchase

A woman in her 30s stands and smiles on the front porch of her new home. Text below reads Washington is our home too.

Options for a new-to-you home

  • A mortgage for a new home with an accepted contract
  • A pre-qualification for a mortgage on a new home without a contract

Here’s what we offer:

  • First-time homebuyer options
  • Fixed- and adjustable-rate mortgages
  • Welcome Home Grant down payment assistance

See Rates:
Fixed Rate |  FHA Loans |  Jumbo Fixed |  VA Loans |  Adjustable Rate

Apply now

Here's what you'll need

Mortgage Payment Calculator

How much will my monthly payment be?

Enter in the purchase price of the home and let us calculate your monthly payment.

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What is the purchase price of the home?

This is the sale price of the home you are buying.

$
Enter in a dollar amount between $10,000 and $9,000,000. Want to borrow more or less than this? Give us a call and see if we can help.
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How much do you plan to put down?

If you put down at least 20%, you won't have to pay Private Mortgage Insurance (PMI).

or
Enter in a dollar amount lower than the purchase price or leave this $0.
Enter a percentage or leave this 0.
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Mortgage Information

The purchase price of the home you are interested in.
Enter in a dollar amount between $10,000 and $9,000,000. Want to borrow more or less than this? Give us a call and see if we can help.
Down Payment The cash put toward the purchase of a home to make up the difference between the purchase price and the mortgage loan - usually a percent of the purchase price, i.e. '5% down'
or
Enter in a dollar amount lower than the purchase price or leave this $0.
Enter a percentage or leave this 0.
The amount you'll pay each year to borrow the money, expressed as a percentage.
Enter in a number between 1 and 10.
The duration of time it takes to pay off the loan.
Taxes paid based on the value of the property.
Enter in a dollar amount.
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
Enter in a dollar amount.
Private Mortgage Insurance protects the lender in the event the borrower defaults on a loan with a downpayment of less than 20% and is included in the monthly payment.
Fees paid to an organization of homeowners of a particular subdivision, condominium, or planned unit development.
Enter in a dollar amount.

Monthly Payment Breakdown

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When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify. Actual PMI will vary based on individual criteria. Estimated property tax rate is 1.10%, actual property tax rate will be based the county in which the property is located. 
Fixed Rate Mortgage Loans
30-Year Fixed Rate
6.500%*
Interest Rate
6.577%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
20-Year Fixed Rate
6.000%*
Interest Rate
6.115%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
15-Year Fixed Rate
5.500%*
Interest Rate
5.643%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need

Rates subject to change at any time.

How To Apply

Call 800.562.0999 Visit your nearest branch Find a Home Loan Officer Apply now

FHA Loans

For homebuyers who want to start building equity but don't have the funds for a large down payment, WSECU's Federal Housing Administration loans may be a good option. FHA loans have less restrictive debt-to-income guidelines, and gifted funds can be used for down payments. For eligibility, you’ll need a FICO score of 640 or higher and a 3.5% minimum down payment.

FHA Mortgage Loans
30-Year Fixed Rate
6.000%*
Interest Rate
7.119%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
20-Year Fixed Rate
6.000%*
Interest Rate
7.200%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
15-Year Fixed Rate
5.250%*
Interest Rate
6.539%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need

Rates subject to change at any time.

How To Apply

Call 800.562.0999 Visit your nearest branch Find a Home Loan Officer Apply now
Jumbo 30-Year Fixed Rate
6.000%*
Interest Rate
6.019%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need

Rates subject to change at any time.

Jumbo Fixed Rate Loans

We offer fixed Jumbo loans for home loan amounts that are higher than $726,200. 

Even better, we don't charge origination feesA fee charged to make a loan with a financial institution. on Jumbo loans, giving you the chance to save thousands of dollars in upfront costs.**

Apply now

How To Apply

Call 800.562.0999 Visit your nearest branch Find a Home Loan Officer Apply now
key in a teal door attached to a heart shaped keychain

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 and no origination feesA fee charged to make a loan with a financial institution., making homeownership possible for many first-time homebuyers.**

Please call 800.562.0999 for our current rates.

Apply now

How To Apply

Call 800.562.0999 Visit your nearest branch Find a Home Loan Officer Apply now

VA Loans

WSECU proudly offers VA loans to military borrowers including active-duty personnel, veterans, reservists, National Guard members, and their surviving spouses.

  • No down payment required on eligible loans
  • No private mortgage insurance (PMI) required
  • Competitive rates, typically below conventional loans
  • Available for owner-occupied primary residence
  • Flexible credit qualifications
  • VA funding fee can be financed into loan
  • Jumbo financing up to $1.5 million (down payment may be required)
  • Fixed- and adjustable-rate options

VA Mortgage Loans
30-Year Fixed Rate
6.000%*
Interest Rate
6.321%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
20-Year Fixed Rate
6.000%*
Interest Rate
6.427%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
15-Year Fixed Rate
5.250%*
Interest Rate
5.958%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need

Rates subject to change at any time.

How To Apply

Call 800.562.0999 Visit your nearest branch Find a Home Loan Officer Apply now

Adjustable Rate Mortgage Loans (ARM)

If you plan to be in your home for a relatively short period of time, an ARM might be a good choice.

Your interest rate is fixed for an initial period before switching to an adjustable rate. For example, a 7/6 ARM would have a fixed rate for the first seven years, then switch to an adjustable rate which can change every six months for the remaining loan term.

  • No origination feesA fee charged to make a loan with a financial institution.**
  • 30-year terms with 5/6, 7/6, 10/6 and 15/1 options
Adjustable Rate Mortgage Loans
15/1 ARM
5.625%*
Interest Rate
6.089%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
7/6 ARM
5.125%*
Interest Rate
6.325%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need
5/6 ARM
4.875%*
Interest Rate
6.483%*
Annual Percentage Rate (APR)
View assumptions
Here's what you'll need

Rates subject to change at any time.

How To Apply

Call 800.562.0999 Visit your nearest branch Find a Home Loan Officer Apply now

* 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 is not available.

**  Other associated loan costs, prepaid fees and third party fees apply. Mortgage programs, terms and conditions subject to change without notice.
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Resources

Mortgage Application Document Checklist

Mortgage Purchase Calculator

Mortgage Refinance Calculator

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