A beautiful, white home featuring a front porch and pitched roofs

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.

Get Pre-Qualified

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.

Fixed-Rate Home Loan Rates as Low As
6.107
%
APR
30-Year Fixed
APR Effective 3/11/2026
Apply Now
Learn more about Fixed Rate

*See important information about rates, fees and other costs

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.

Adjustable Home Loan Rate as Low As
6.057
%
APR
10 Year ARM (10yr/6mo)
Adjustable after year 10
APR Effective 3/11/2026
Apply Now
Learn more about ARM

*See important information about rates, fees and other costs

Additional Home Loans

Exclusive perks for veterans and their families. Competitive rates, low fees, flexible down payment options, and no PMI requirements.

Learn about VA Home Loans

For home loan amounts over $832,750. Get up to a $3 million mortgage on a primary or secondary home purchase.

Learn about Jumbo Home Loans

Find the right FHA loan with flexible terms, low down payments and more.

Learn about FHA Home Loans

All-in-one financing to build your dream home. Fixed-rate and Jumbo loan options for your new home construction.

Learn about Construction Home Loans

Buying your first home?

First Time Home Buyer Grant

Applicants may be eligible for up to $8,000 in down payment assistance.2

First Time Home Buyer Benefits

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.

Member Consultant

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.

Home Equity

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.

Way to Go / Good Job

3. Get pre-qualified.

After you've calculated how much home you can afford, answer a few simple questions to get pre-qualified for your mortgage loan. There is no impact to your credit score.

Choose a direction

4. Find your dream home.

Search our listings for homes by zip code or location.

Connect with a Mortgage Advisor

a woman holding a paper with a woman sitting at a table

A skilled mortgage advisor will help you through the home buying process.

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

A good first step is to figure how much you can afford and what your potential monthly expenses could be with our mortgage calculators. After you arrive at the figures you're confident about, you can begin the steps for your prequalification letter.

The interest rate on a fixed-rate mortgage remains the same for the life of your home loan. The interest rate of an adjustable-rate begins with a fixed rate for a specific amount of time, but them adjusts to a higher or lower interest bases on an index.

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

Additional fees to your mortgage loan can include application, credit report, appraisal, processing, and under writing costs. BECU home loans do not include origination fees. BECU does not charge origination fees on most loans; for more information on closing costs that may apply, please see Your home loan toolkit.

While BECU offers home loan options with low down payments or even no down payment; home loans with less than 20% down require private mortgage insurance (PMI).

Contact Us for Questions About BECU Home Loans

Call Center
Call the Mortgage Loan Center

833-777-0633
Mon. - Fri. 8 a.m. - 6:30 p.m. PST
Sat. 9 a.m. - 1 p.m. PST

Member Consultant
Find your Mortgage Advisor
Whether you prefer an online Loan Officer or Local-to-you Mortgage Advisor, we have someone for you!
Calendar / Date
Make an Appointment
Set an appointment with a BECU Mortgage Advisor or Loan Officer on a day and time that works best for you.

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.