Ready to Purchase a Home?
Whether you're buying your first home or investing, BECU has a loan for you. Our Mortgage Advisors guide you through every step of the mortgage loan1 process.
Compare BECU Mortgage Loan Options
Fixed-Rate Home Loan
Predictable payments which may benefit long term homeowners. Get flexible terms and fixed rates for the duration of your loan.
Adjustable-Rate Home Loan (ARM)
You may be able to increase your buying power. Get a home loan with potential for a lower rate in the future.
Additional Home Loans
Exclusive perks for veterans and their families. Competitive rates, low fees, flexible down payment options, and no PMI requirements.
For home loan amounts over $832,750. Get up to a $3 million mortgage on a primary or secondary home purchase.
Find the right FHA loan with flexible terms, low down payments and more.
All-in-one financing to build your dream home. Fixed-rate and Jumbo loan options for your new home construction.
Buying your first home?
Applicants may be eligible for up to $8,000 in down payment assistance.2
Learn about programs and incentives for eligible first-time home buyers.
BECU is here to help you navigate the mortgage loan process
Whether you're a first-time home buyer or adding a new property to your portfolio, we're with you every step of the way.
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1. Connect with a BECU Mortgage Advisor.
Our Mortgage Advisors will walk you through the home loan process, every step of the way. We're here to answer any of your questions.
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2. Estimate your budget with a mortgage calculator.
Your first step is figuring out how much home you can afford. Calculate your home loan budget with our mortgage calculators.
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3. Find your dream home.
Search our listings for homes by zip code or location.
View our mortgage calculators to quickly understand what you can afford.
Calculate how much home you can afford, estimate your closing costs, look into refinancing your current mortgage, and more. Use our calculators to adjust interest rates, APRs, down payments, closing costs, and loan terms to figure out the finances of your future home.
Frequently Asked Questions
BECU takes several factors into consideration when determining the interest rate of a mortgage loan. These factors can include:
- Your credit score
- Your debt-to-income ratio
- The type of loan you're applying for
- The loan amount and the loan term
- The property location and type
- The current prime rate issued by the Federal Reserve
Contact Us for Questions About BECU Home Loans
Related Content
1Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice.
2Buyers must meet all the first-time homebuyer grand program criteria, including loan and property qualifications, all of which are not listed here. BECU reserves the right to alter or change criteria. All federal, state and local taxes imposed on the acceptance of a grant are solely the responsibility of the applicant. BECU will issue and IRS Form 1099-MISC or W-2 to an applicant where a Form 1099-MISC or W-2 is required by applicable law. Applicants should consult their own accountant(s) or tax advisor(s) to determine tax implications, if any.