Unique Home Loans

Military & Special Home Loans

We’ve got unique home loans to help you get into your dream house.

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Unique Home Loan Rates as Low As

APR Effective 2/15/2019*


VA 30 Year Fixed

VA Purchase 0% Down


FHA 30 Year Fixed

*See important information about rates, fees and other costs

Sometimes unusual situations require financing that thinks outside the box, and we‘ve got that covered. If a standard loan just won't meet your needs, explore your options with a variety of non-traditional fixed-rate and ARM loans available at BECU.

VA Loans: You Served, Now Let Us Serve You

We're thrilled to be able to offer men and the women of the armed forces multiple purchase and refinance options that they can apply their VA Certificate of Eligibility (COE). By choosing BECU, you combine the benefits you've earned, including a zero down-payment option, alongside the savings of a not-for-profit credit (like fewer fees).

It all adds up to more money back in your pocket.

No Origination Fees

Purchase or refinance your home in Washington or Idaho using a Veteran Affair's loan, and you'll pay no origination fee.* To qualify, you need to set up automatic payments from a BECU checking or savings account, as well as have a Certificate of Eligibility (COE). That's a home loan with no down payment requirement and no origination fee.

Our Loan Options Include:

Who is eligible? Why choose it

Qualified veterans, reservists, active duty personnel and eligible family members

No and low down payment options—up to 100% financing

Determine eligibility by obtaining a Certificate of Eligibility (COE) at www.ebenefits.va.gov

No private mortgage insurance regardless of the down payment amount

Limited closing costs and fees

Flexible credit qualification guidelines

Fixed rate and adjustable rate mortgages available

Have more questions about military or special home loans?

To find out more, visit your nearby Neighborhood Financial Center.

Email us to learn about BECU homes for sale.

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*BECU reserves it's right to revoke this offer at any time.

**Income limits may apply. Homeownership education at a cost of $75 (paid to Framework) required.   HomeReady is a trademark of Fannie Mae. Loans are subject to credit approval and other underwriting criteria.  Certain restrictions apply.  Home Loan programs, terms and conditions subject to change without notice.