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Perfect Home.
Perfect Loan.

$500 off Closing1
$500 Close on Time Guarantee2
$500 off Future Refinance Fee3 Learn More

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.

Purchase a Home

Your home is a special place. And we're here to make the home buying process easier, with affordable rates and low fees.

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Refinance

Refinancing is a great way to lower your interest rate and payments. You can also use a refi to consolidate debt or take out cash.

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Home Equity

Need a bit of cash for a honeymoon, boat, home remodel, or unexpected expense? You can take out a home equity loan.

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Home Loan Rates

Term Rate² Points APR¹ Example Loan Est. Monthly Payment³
30 Year Fixed Rate 6.000% 0.000% 6.061% $300,000 $1,798.65
15 Year Fixed Rate 5.250% 0.125% 5.365% $300,000 $2,411.63
  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 6.125% 0.250% 6.201% $300,000 $1,822.83
15 Year Fixed Rate 5.625% 0.000% 5.709% $300,000 $2,471.20
  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 7.000% 0.000% 7.132% $50,000 $990.06
10 Year Fixed Rate 7.250% 0.000% 7.324% $50,000 $587.01
15 Year Fixed Rate 7.500% 0.000% 7.555% $50,000 $463.51
20 Year Fixed Rate 7.750% 0.000% 7.796% $50,000 410.47
  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.

Loan Type Rates APR¹ Repayment Terms
Home Equity Line of Credit (HELOC) 7.500% 7.504% 20 years

¹The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. The rates shown are based on a $50,000 loan balance. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

WECU’s Home Equity Lines of Credit are variable rate revolving loans secured by your home. The rate is based on the Wall Street Journal Prime Rate with a floor of 4.00% and a ceiling of 18.00%. The Prime Rate is variable. 10 days prior to the end of each quarter, the account rate is reviewed and adjusted to the Prime Rate effective the first day of the next quarter. Account rates are not guaranteed for any period of time including the funding period.

All terms, including fees and the APRs for new transactions, may change after account opening in accordance with the agreement and applicable law. We do not charge annual maintenance fees. The line has a 10-year draw period followed by a 10-year repayment period. All loans are subject to approval.

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

Watch Now Learn More
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.

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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.

Watch Now Full Series

Choose a Loan That Fits Your Lifestyle

Whether you're starting from scratch and building from the ground up or just simply looking for a place to call home, we're here to help. Contact Us to learn more.

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.

1. Discount on closing costs applies only to the purchase of an owner-occupied, single-family residence in Washington State and loan amount of $100,000.00 or more. Promotion subject to standard WECU loan closing requirements and conditions.

2. With the Close on Time Guarantee, we guarantee closing your purchase by the date on your fully executed Purchase and Sale agreement (closing time frames less than 21 days do not qualify). In accordance with the terms of the offer, if your purchase is not closed by the date, we will provide you $500. The Close on Time Guarantee timeframe begins upon receipt of a completed application, along with all requested documentation including acceptable assets and income documents, signed disclosures and a fully executed Purchase and Sale Agreement. The fully executed Purchase and Sale Agreement must be received by WECU within 2 business days of mutual acceptance. All home mortgage lending products are subject to credit, property, and investor lending approval requirements. Fees may apply for expedited services.

The Close on Time Guarantee will be void if the following occurs: Delay caused by addressing title defects, Delay caused by natural disasters, Factors outside of WECU control including scheduling or completion delays related to appraisals, and appraisal value disputes, Delays caused by third-parties required to complete the transaction, Delays or extensions in completion of new construction, improvements or repairs being made to the subject property, Failure by borrower or seller to meet contract terms and requirements including seller-related delays or further negotiation of or changes to the purchase contract, loan terms, or borrower’s eligibility for the loan (e.g. changes in credit profile, or employment). Close on Time Guarantee is not available for government financing such as USDA or condominiums.

3. $500 off future closing costs if you refinance with WECU on your WECU funded purchase transaction and if you close by June 30, 2026.

Offers expire December 31, 2023. All rates, terms, and conditions subject to change without notice. Offers apply only to primary residence.

† 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.

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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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Please note, this log in is different than your WECU Online Banking log in.

If you have already applied for a mortgage with WECU or are accessing a loan application that is in process, please LOG IN HERE.