Get $500 off
Closing Costs**

Buy your home with WECU today. Apply by June 30, 2022.

**Discount on closing costs applies only to the purchase of a primary residence and loan amount of $100,000.00 or more. Promotion subject to standard WECU loan closing requirements and conditions.

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Why Choose WECU

At WECU, we provide a personalized, collaborative home purchasing experience with our local experts who are here to walk you through the process, discuss your options, and answer any and all questions you may have along the way.

Home Loan Rates

Term Rate² Points APR¹ Example Loan Est. Monthly Payment³
30 Year Fixed Rate 4.875% 0.375% 4.961% $300,000 $1,587.62
15 Year Fixed Rate 4.125% 0.375% 4.266% $300,000 $2,237.90
  1. The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.
  2. Rates are owner occupied single-family purchase money rates assuming a 25% down payment and credit score of 740.
  3. Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.
Term Rate⁴ Points APR¹ Example Loan Est. Monthly Payment³
30 Year Fixed Rate 5.125% 0.000% 5.171% $300,000 $1,633.46
15 Year Fixed Rate 4.250% 0.125% 4.340% $300,000 $2,256.84
  1. The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.
  2. Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.
  3. Rates are owner occupied single-family refinance of existing balance assuming 75% loan to value and credit score of 740.
Term Rate⁵ Points APR¹ Example Loan Est. Monthly Payment³
5 Year Fixed Rate 4.250% 0.000% 4.333% $50,000 $926.48
10 Year Fixed Rate 4.500% 0.000% 4.546% $50,000 $518.19
15 Year Fixed Rate 4.750% 0.000% 4.784% $50,000 $388.18
20 Year Fixed Rate 5.000% 0.000% 5.028% $50,000 $329.98
  1. The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.
  2. Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.
  3. Rates assume an owner-occupied single family refinance with a maximum loan-to-value (LTV) or combined loan-to-value (CLTV) of 80% or less.

Hazard insurance and, if applicable, flood insurance is required. Other conditions and restrictions may apply.

What To Expect

Buying a Home with WECU is as Easy as 1, 2, 3

Watch this short video for an introduction to the homebuying process at WECU.

1. Start with WECU
2. Add a realtor to the team
3. Your offer is accepted

Experts At Your Fingertips

Connect with a Local Loan Officer

Our WECU loan officers are local experts you can trust. As your reliable advisors, neighbors and friends, their knowledge and expertise is readily available to help guide you through your home buying journey.

Picture of the WECU Real Estate Lending Center.
Real Estate Market Update

Check out what's happening in our local market

Tune in to our Real Estate Market Update, a video series for home buyers and homeowners alike looking to get a uniquely local perspective on what's going on in the housing market.

Return to the WECU Real Estate Experience

Already applied for a mortgage with WECU or need to access an in process loan application? Please note, the login below is different than your WECU Online Banking login.

*The information provided on this page is for comparative purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval.

The payment examples do not include mortgage insurance, amounts for taxes, and insurance premiums. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums. An initial borrower deposit may be required if an escrow account for taxes and insurance is established.

There may be additional loan options (not available online) for your specific loan type, including USDA, depending on loan amount, occupancy, number of units, loan to value and purpose. Please call us at 800-525-8703 x7390 to discuss additional options or click Team page to make an appointment with a Mortgage Advisor.

Adjustable Rate Mortgage Disclosure

Consumer Handbook on Adjustable Rate Mortgages

NMLS ID 401041
WECU real estate products are available only for properties located within Washington State.

We are excited to help you on your home ownership journey!

The first step is to create an account for your customized Real Estate experience.

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