Home Loan Offer

BECU Home Loans

Open the door to a better home.

Apply Today

At BECU, we know what owning a home means. And we work to give our members the support they need to reach their dreams. Whether you're buying or refinancing, we're here to help—with professional mortgage advisors, lower interest rates and fewer fees.

Features & Benefits

  • Lower rates and fewer fees
  • No origination fees charged by BECU
  • First Time Home Buyers may be eligible for up to $7,500 in additional grant funds2
  • Earn cash rewards of up to 20% of your real estate agents' commission using BECU Home Rewards3
  • Professional Mortgage Advisors

Limited Time Offer

For a limited time, we'll reduce your closing costs.

  • Purchase only

  • Up to $750 credit at closing with automatic payment from a BECU account1

  • Excludes refinance, 12 year no fee, FHA and VA loans

Home Loan Rates

Fixed Rates

Fixed Rate 30 Year
3.029
%
APR
30 Year Fixed
APR Effective 9/18/2020
Jumbo 30 Year Fixed Rate
3.278
%
APR
Jumbo 30-Year Fixed
APR Effective 9/18/2020
Fixed Rate 15 Year
2.567
%
APR
15 Year Fixed
APR Effective 9/18/2020

Home Buying 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

1Mortgage application must be received between 07/24/2020 and 10/31/2020. Closing cost credit of up to $1,000 for Whatcom county purchases or refinances (property must be located in Whatcom County), and up to $750 in all other areas for purchases only. Credit is applied at loan closing with setup of automatic mortgage payment from a BECU account. Mortgages are available in: WA, OR, CA, AZ, KS, MO, PA, ID, SC and IL only. 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.