Beautiful two story home

Mortgage Offer

Purchase or refinance a home with BECU to get up to an $875 credit for your closing costs.

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Make BECU Your Mortgage Partner

If you're buying a home or looking to refinance a mortgage not serviced by BECU, your timing is perfect: we're giving homebuyers in your area up to an $875 credit toward your closing costs when you sign up for automatic payments from a BECU account.1

Use the credit to help reduce your interest rate, or reduce your closing costs to keep more money in your savings account or have extra funds to host a memorable house-warming party for your friends and family. Check out our popular home loan rates and apply by December 31, 2022 to qualify.

Features & Benefits | Home Loan Rates | Calculators | Offers & Advice | Contact Us

Features & Benefits

More great reasons to get a home loan with BECU:

  • Get up to an $875 credit at closing to help reduce your closing costs (including title and recording fees) or lower your interest rate.
  • Save money and pay no origination fee. An origination fee is on average 1% of your total loan. On a $300,000 that's $3,000!
  • Get a competitive interest rate.
  • Work with an experienced mortgage advisor who will guide you through choosing the best loan option for your short and long-term goals.
  • Qualify for up to $7,500 in additional grant funds for eligible First Time Home Buyers2.
  • Earn cash back rewards of up to 20% of your real estate agent's commission using BECU Home Rewards3.

Popular Home Loan Rates

Options to Fit Your Home Loan Needs

Fixed Rate 30 Year
30 Year Fixed
APR Effective 1/27/2023
Jumbo 30 Year Fixed Rate
Jumbo 30-Year Fixed
APR Effective 1/27/2023
Fixed Rate 15 Year
15 Year Fixed
Loan limits up to $X
APR Effective 1/27/2023

Home Buying and Refinancing Calculators

Offers and Advice

Home Equity
First Time Home Buyer Grants
  • Up to $7,500 down payment assistance
  • As little as 1% down for eligible applicants
Credit Score
Learn Your FICO Score
  • The higher the number the lower your potential mortgage rate
  • Learn the steps to take to improve your score
Home / Home Loan
Home Buying Process Guide
  • Learn the 8 easy steps you'll go through in your home buying loan process

Contact BECU

1Offer valid 4/1/2022 – 12/31/22 for the following counties in Washington: Adams, Asotin, Benton, Columbia, Ferry, Franklin, Garfield, Grant, Lincoln, Pend, Oreille, Spokane, Stevens, Walla Walla, Whitman, Whatcom, Clark, Cowlitz, Skamania, Wahkiakum, Klickitat; the following counties in Oregon: Benton, Clackamas, Clatsop, Columbia, Coos, Curry, Douglas, Hood River, Lane, Lincoln, Linn, Marion, Multnomah, Polk, Tillamook, Wasco, Washington, Yamhill, Deschutes; the following counties in Idaho: Benewah, Bonner, Boundary, Clearwater, Idaho, Kootenai, Latah, Lewis, Nez Perce, Shoshone; and all counties in South Carolina.  Membership required. Please refer to BECU's eligibility guidelines. South Carolina residents: all Boeing employees, family members of Boeing employees, Boeing affiliates and retirees are eligible to join. Offer applies to mortgage purchases and new-to BECU mortgage refinances. Offer not valid for existing BECU mortgages. Automatic mortgage payments from a BECU account is required. Credit is applied at loan closing. Eligible for owner and non-owner-occupied property, including investment property (1-4 units). Offer not valid on Government loans (FHA, VA) and 12-Year No Fee. Loans are subject to BECU membership, credit approval, and other underwriting criteria; not everyone will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification. Loan must close 90 days from the application date.

2In order to qualify for grant funds, buyers must meet all the First-Time Homebuyer Grant Program Criteria, including loan and property qualifications, all of which may not be listed here. BECU reserves the right to alter or change criteria.

3Home Rewards is a program provided by Prime Alliance Home Rewards, LLC and is not affiliated with BECU. Certain restrictions apply. Offer subject to change without notice. Please contact your assigned member advocate for additional information regarding these buyer/seller benefits. Real estate services provided by carefully selected local real estate agents.