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Mortgages that fit your home loan needs

Prequalify for a mortgage or apply with an accepted home purchase contract. We offer:

Apply now

Here's what you'll need

Mortgages that fit your home loan needs

Prequalify for a mortgage or apply with an accepted home purchase contract. We offer:

Apply now

Here's what you'll need

Skip to home loan rates

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

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Our experts help you understand your options so you can be confident in your decision.

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Home loan education

Read more about mortgages and other factors that affect home purchase decisions.

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Mortgage calculators

Estimate home loan affordability or monthly payments for a specific loan.

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Fixed Rate Mortgages

Fixed-rate mortgages are among the most common types of home loans.

  • Great for buyers who have a sizeable down payment
  • Longer term lengths typically mean lower monthly payments
  • Shorter term lengths typically mean lower interest rates
Fixed Rate Mortgages
30-Year Fixed Rate
7.375%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.514%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
20-Year Fixed Rate
7.000%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.177%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
15-Year Fixed Rate
6.500%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.696%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Rates subject to change at any time.


FHA Loans

WSECU’s Federal Housing Administration loan may be a great option for buyers who don’t have a large down payment.

  • FICO credit score of 640 needed
  • Minimum down payment of 3.5% needed
  • Less restrictive debt-to-income guidelines
FHA Loans
30-Year Fixed Rate
6.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.978%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
20-Year Fixed Rate
6.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.072%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
15-Year Fixed Rate
6.625%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.523%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Rates subject to change at any time.


Jumbo 30-Year Fixed Rate
7.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.209%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Rates subject to change at any time.

Jumbo Loan

Keeping up with housing market trends may mean taking out a jumbo loan. A jumbo loans is a home loan that exceeds $977,500 in King, Pierce or Snohomish counties. In other Washington state counties, jumbo loans exceed $766,550.

  • Flexible down payment options
  • May require higher credit scores
  • Home must be primary residence

Jumbo Loan

Keeping up with housing market trends may mean taking out a jumbo loan. A jumbo loans is a home loan that exceeds $977,500 in King, Pierce or Snohomish counties. In other Washington state counties, jumbo loans exceed $766,550.

  • Flexible down payment options
  • May require higher credit scores
  • Home must be primary residence
Jumbo 30-Year Fixed Rate
7.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.209%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Rates subject to change at any time.


Zero Down Mortgage

If you have strong credit and want to start building home equity, a zero down fixed- or adjustable-rate home loan may be the solution.

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.

Apply now

Here's what you'll need

Zero Down Mortgage

If you have strong credit and want to start building home equity, a zero down fixed- or adjustable-rate home loan may be the solution.

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.

Apply now

Here's what you'll need


VA Loans

WSECU proudly offers VA loans backed by the Department of Veterans Affairs. Qualified military borrowers include 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
  • Home must be primary residence
  • One-time VA funding fee can be financed into loan
  • Fixed- and adjustable-rate options
VA Loans
30-Year Fixed Rate
6.250%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.569%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
20-Year Fixed Rate
6.250%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.672%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
15-Year Fixed Rate
6.625%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.201%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Rates subject to change at any time.


Adjustable Rate Mortgages (ARM)

If you don’t expect to keep your home long, an ARM might be a good choice.

  • Interest rates are fixed for an initial period, then adjusted periodically
  • Ex: a 7/6 ARM has a fixed rate for seven years, then adjusted every six months after
  • WSECU offers 30-year terms with 5/6, 7/6, 10/6, and 15/1 options
Adjustable Rate Mortgages
15/1 ARM
7.250%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.511%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
7/6 ARM
6.875%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.694%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.
5/6 ARM
6.750%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.821%*
Annual Percentage Rate (APR) The cost of the loan, including interest and fees.

Rates subject to change at any time.

Make an appointment with your personal home loan helper

WSECU Home Loan Officers offer personalized 1:1 mortgage support. They’ll help you determine the loan type, term length, or amount that suits you best.

Schedule an appointment

Have further questions? Send us an email.

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Disclosures

* 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.

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