Your home. Our loan
Apply for an STCU home loan -- in Washington or Idaho
Buying your first home? Upgrading? Downsizing? STCU is the place to go for help securing a home loan that will fit your budget.
- Great rates!
- Low fees.
- Conventional and construction loans.
- Fixed- and adjustable-rate loans.
- ½% origination fee for first-time homebuyers.
- Fast pre-approvals.
- Bi-weekly payment option (see below).
Local decision makers
STCU is a full-service financial institution you can trust with something as important as your home. Our decision makers are local, and we service all of our conventional home loans in-house.
Online preapprovals
Need immediate preapproval on your home loan? Visit
Apply right now for preapproval online. Print out your preapproval page to submit with your offer.
Worried about rates changing?
Once you've selected your home, we can lock in the best rate available to you.
Bi-weekly payments available
We accept bi-weekly payments set up automatically from a STCU account at the time of closing. A $100 fee will be assessed for this payment option if requested after loan closing.
Contact us first
Contact us first to determine how much home you can afford. We'll answer your questions and guide you through the steps it takes to purchase your home.
Apply today
Apply online or by calling (509) 326-1954 in Washington; (208) 619-4000 in Idaho; or toll free at (800) 858-3750 during regular business hours. Or visit our Home Loan Department on the second floor of the
Main Branch, 106 W. Nora Ave., Spokane, or stop by any of our convenient
branch locations for a home loan application. Real estate loan officers also are available at the
Liberty Lake and
Post Falls branch locations.
Homeowner's insurance available
Discount insurers are OK for some, but be careful that you do not under insure your home. For a careful and honest rate quote, contact Andre-Romberg Insurance, our insurance partner.
