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First-time homebuyer. Future homeowner. First-time homebuyer

We'll guide you every step of the way to make your first home purchase as smooth as can be. We offer:

Apply now

First-time homebuyer. Future homeowner. First-time homebuyer

We'll guide you every step of the way to make your first home purchase as smooth as can be. We offer:

Apply now

How does it work? Three simple steps.

Apply for preapproval.

找出你能负担得起的，然后开始买房子.

Make an offer.

Include the preapproval with your offer. Complete your application.

Close with confidence.

签署成交文件，拿到新家的钥匙.

Why choose WSECU for your home loan?

We have loans to fit your finances.

买房不一定是件令人头疼的事. Get a home loan that fits your budget. We offer competitive rates on mortgages so you can get into your dream home for less.

Why choose WSECU for your home loan?

woman petting a dog

We have loans to fit your finances.

买房不一定是件令人头疼的事. Get a home loan that fits your budget. We offer competitive rates on mortgages so you can get into your dream home for less.

两个孩子和一只狗坐在空房子里

We're always here to lend a hand.

这都是关于友好和个人的接触. 我们对待我们的成员就像邻居一样，而不是数字. If you need advice, information or want to share how excited you are about a recent open house, we’re here for you.

little girl playing with a house plant

You love Washington. So do we.

作为一个会员制的非盈利信用合作社, we’re pleased to offer services at more than 21 locations throughout Washington state. When you have questions or need help with the homebuying process, we’re here for you.

Which WSECU home loan is right for you?

我们提供不同期限和利率的贷款, 所以我们可以适应不同的预算和首付. 探索我们的选择，找到一个最能满足您的需求.

Zero Down Mortgage

If you have a strong credit score, you may qualify for a zero-down fixed- or adjustable-rate loan. WSECU为购买主要住宅提供100%的融资, 使许多首次购房者拥有住房成为可能.

Apply now

Jumbo Mortgage

Do you need a home loan for more than $977,500 在金，皮尔斯，斯诺霍米什县或更多的地方 $766,550 elsewhere in Washington state? 你可以从WSECU获得固定利率的大额贷款!

Apply now

Jumbo 30-Year Fixed Rate
7.125%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.209%*
Annual Percentage Rate (APR) 贷款的成本，包括利息和费用.
View assumptions
Here's what you'll need

Rates subject to change at any time.

30-Year Fixed Mortgage

With a minimum down payment of 5%, you can enjoy consistent mortgage payments and a rate that won't change over time. Private mortgage insurance (PMI) is not required for down payments of 20% or more.

Apply now

30-Year Fixed Rate
7.375%*
Interest Rate The amount you'll pay each year to borrow the money, expressed as a percentage.
7.514%*
Annual Percentage Rate (APR) 贷款的成本，包括利息和费用.
View Assumptions
Here's what you'll need

Rates subject to change at any time.

Mortgage Affordability Calculator

How much house can I afford?

Answer three questions to find out. 只需不到五分钟就能完成并看到结果.

Get started
Get started
Question 1 of 3

If you’re buying a home with a partner, include gross income for both you and your partner.

输入一个大于0的金额
Back Next
Next Back
Question 2 of 3

Include your minimum payments for credit cards, student loans, car payments, child support, etc. 不包括生活费用，如租金或食物.

Enter in a dollar amount of $0 or more
Back Next
Next Back
Question 3 of 3

This is the amount you pay upfront. 它可以低至0美元，这取决于贷款的类型.

Enter in a dollar amount of $0 or more
Back Next
Next Back
For an individual, annual gross income equals the total amount of money earned in one year, before taxes.
输入一个大于0的金额
包括每月偿还的循环债务, alimony, 子女抚养费和其他每月经常性债务.
Enter in a dollar amount of $0 or more
The cash put toward the purchase of a home to make up the difference between the purchase price and the mortgage loan - usually a percent of the purchase price, i.e. '5% down'
Enter in a dollar amount of $0 or more
偿还贷款所需的时间.
Additional details
The amount you'll pay each year to borrow the money, expressed as a percentage.
Enter in a valid interest rate
根据财产价值缴纳的税款.
输入一个大于0的金额
A form of property insurance that covers losses and damages to an individual's house and to assets in the home.
输入一个大于0的金额
Private Mortgage Insurance protects the lender in the event the borrower defaults on a loan with a downpayment of less than 20% and is included in the monthly payment.
支付给某一特定小区的业主组织的费用, condominium, or planned unit development.
输入一个大于0的金额

我们很难计算出你能买得起多少房子. Please make sure all fields to the left are filled out correctly before continuing.

你的债务收入比(DTI)超过45%. DTI is one of the main ways lenders determine whether you qualify for a mortgage. A DTI below 36% is ideal. The lower your DTI, the more likely you are to qualify for a home loan. Speak with a loan officer today to discuss what options may be available to you.

Read How to Qualify for Your First Home Loan article.
Home PriceMonthly Payment
Select the type of payment plan you want depending on your financial situation
Comfortable
monthly payment
Stretching
monthly payment

Your debt-to-income (DTI) ratio is 35%. You’ll have a comfortable cushion to cover things such as food, utilities and entertainment.

Your debt-to-income (DTI) ratio is 45%. To be in the best position to purchase a home, you may need to pay down some of your debt.

Apply now
Contact a loan officer

When using the calculator, please remember the dollar amounts displayed are not guaranteed. Actual payments may differ. 估计数仅供说明和教育用途. 任何贷款计算器的结果不打算是, and should not be considered, a decision of or commitment to the loan type or amount for which you may qualify.

Get the mortgage that's right for you.

无论你是买第一套房子还是度假屋, 我们将帮助您获得符合您需求的抵押贷款利率和期限. 今天与WSECU抵押贷款专家交谈.

Contact us

Resources

什么类型的住房贷款是适合你的?

How to Choose the Best Mortgage

一步步指导获得你的第一笔抵押贷款

* These mortgage rates are based on assumptions and conditions including but not limited to property type, occupancy, loan-to-value and credit score. Your interest rate will be based on loan specifics and your credit history. 一旦你的利率被锁定，一个浮动的选项可能是可用的.

Ready to take the first step?

获得预先批准，今天就开始为你的梦想之家购物.

Apply now

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.

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