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VA home loans for our military community

Proudly offering VA loans backed by the U.S. 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
  • Up to 100% financing available
  • No private mortgage insurance (PMI) required
  • Flexible credit qualifications

Become a homeowner

Here's what you'll need

Here's What You'll Need

Mortgage, Home Equity and Equity Line of Credit

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.

VA home loans for our military community

Proudly offering VA loans backed by the U.S. 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
  • Up to 100% financing available
  • No private mortgage insurance (PMI) required
  • Flexible credit qualifications

Become a homeowner

Here's what you'll need

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

  Washington’s only Forbes Best-In-State Credit Union five years in a row!

Our service to you

We’re honored to serve you. Your VA loan will be handled quickly and efficiently, and you’ll have our support every step of the way.

VA home loans are typically better than conventional mortgages, with lower rates and fewer requirements.

  • Fixed- and adjustable-rate options
  • Available for owner-occupied primary residence in WA, OR, or ID
  • VA funding fee can be financed into loan
  • Jumbo financing up to $1.5 million (down payment may be required)
VA Mortgages

30-Year Fixed Rate

5.990%
Interest rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.322%
APR Annual Percentage Rate: The cost of the loan, including interest and fees.
Apply now
Payment example
Here's what you'll need

20-Year Fixed Rate

5.990%
Interest rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.431%
APR Annual Percentage Rate: The cost of the loan, including interest and fees.
Apply now
Payment example
Here's what you'll need

15-Year Fixed Rate

5.875%
Interest rate The amount you'll pay each year to borrow the money, expressed as a percentage.
6.449%
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 $350000.00 and an estimated property value of $350000.00 (100.0000% 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 720 and includes discount points of 0.3750 with a VA funding fee of 2.3% and $2763.00 in finance charges.

At a 5.990% interest rate, the APR for this loan type is 6.322%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

360 payments of $2096.18

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

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.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $350000.00  and an estimated property value of $350000.00 (100.0000% 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 720 and includes discount points of 0.3750 with a VA funding fee of 2.3% and $2763.00 in finance charges.

At a 5.990% interest rate, the APR for this loan type is 6.431%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

240 payments of $2505.49

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.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $350000.00 and an estimated property value of $350000.00 (100.0000% 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 720 and includes discount points of 0.5000 with a VA funding fee of 2.3% and $2763.00 in finance charges.

At a 5.875% interest rate, the APR for this loan type is 6.449%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

180 payments of $2929.91

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.

FAQ

VA loans are for current and veteran service members, including Reserves and National Guard, surviving spouses and eligible dependents. To be eligible, you must have satisfactory credit, meet income qualifications, and have a valid Certificate of Eligibility (COE).

There are several different types of VA loans, including purchase loans and cash-out refinance loans.

Mortgage applications require documentation of financial history. For a VA loan, you will be asked to provide your Certificate of Eligibility (COE), proof of income (2-year minimum of employment), and a list of outstanding debts or financial obligations. Other documentation may also be required.

VA loans usually require no down payment and have lower minimum credit score requirements. You also avoid paying private mortgage insurance (PMI), which most conventional loans require when you make a down payment of less than 20%. There is a one-time funding fee with a VA loan that can be financed into the loan.

Private mortgage insurance (PMI) is usually required insurance paid by the homebuyer when the down payment is less than 20% of the home sale price. With a VA loan, you won’t have to pay for private mortgage insurance, no matter what your down payment may be.

Why WSECU?

Being a member of Washington’s only Forbes Best-In-State Credit Union five years in a row has its perks. Enjoy favorable rates on everything from credit cards to savings accounts. Insured deposits. A great mobile app. Access to your money from ATMs anywhere in the world. And since you’ll be part of a member-owned cooperative that gives 4% of its net income back to your local community, you’ll see the good happening all around you. Every day.

Forbes 2025 Best-In-State Credit Unions - 5 Years Running

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