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BECU Home Loans

First-Time Home Buyers | Fixed-Rate | Adjustable-Rate | Construction | Jumbo Loans | Unique Loans


Whether you're a first-time homebuyer or working on your third refinance, we can help you find the home mortgage loan that fits your needs. BECU offers no origination fees*, flexible financing options, and a mortgage serviced locally in your community.

First-Time Home Buyers

Buying a house for the first time can be more than a little intimidating. We can help you understand how the home buying process works and connect you with a personal Mortgage Advisor. Not only will the advisor help you decide on which mortgage loan  you need, but they can also assist in navigating all the required forms and documents necessary for your loan.  Learn more about our First-Time Home Buyer Program.

Fixed Rate Mortgage Options

A fixed rate loan (sometimes referred to as a conventional loan) is best for home buyers planning on staying the home long-term. With a fixed-rate loan, you'll enjoy the security of continued mortgage payments at a great low rate. These loans are the most popular choices with our members, and we offer a variety of fixed-rate mortgage options. Learn more about Fixed-Rate Loans

Adjustable Rate Mortgage (ARMs)

Adjustable-rate loans, also called ARMs, are best for those planning to move within a few years or wanting to take advantage of lower interest rates.  An ARM may allow you to qualify for a larger home loan amount than a fixed-rate loan option. ARMs come in terms of 3/1, 5/5, 7/1 and 10/1. Learn more about Adjustable-Rate Mortgages.

Construction Loans

Construction loans are for borrowers who want to build their customized dream house, or buy a ready-to-build home in a housing development. Our construction loan options give the convenience of smaller down payments, and the loan covers everything from construction to closing costs. Once the home is complete, the construction loan becomes your home loan. Read more about Construction Loans.

Jumbo Loans

A Jumbo loan is best for individuals needing to take out loan amounts greater than the conventional loan limit of $424,100. A jumbo loan is more common in high-cost housing markets such as Seattle, or Los Angeles. Jumbo Loans often require a minimum of 20% down and come in a variety of fixed-rate and adjustable rate (ARM) options.  Learn more about Jumbo Loans.

Unique Loans

We also offer unique mortgage loan options such as FHA, VA home loans, land loan options, 30-year fixed high-balance loans, and a special option called Homeready Mortgage that offers expanded and flexible options for qualifying income, limited credit and/or down payment.  Check out our Unique Loans to see if these options are right for you. 

*Offer applies to purchase and refinance transactions.  No origination fee offer valid through 12/31/2018.  The no-fee promotion does not currently apply to government (FHA, VA) loans.  Loans are subject to credit approval and other underwriting criteria, and not everybody will qualify. Certain restrictions apply. Home loan programs, terms and conditions are subject to change without notification.  BECU reserves the right to terminate this offer at any time without notice.

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BECU Mortgage Advisors

A BECU Mortgage Advisor is equipped to help move you through the full process of financing your home. Work with one of them to make the most of your BECU home buying or refinance experience.