Home loans happen here.

Apply right now for an STCU home loan

Upgrading? Downsizing? Buying your first home in Washington or Idaho? STCU is the place to go for help securing a home loan to fit your budget.

  • Great rates!
  • Low fees.
  • Conventional and construction loans.
  • Fixed- and adjustable-rate loans.
  • Discount on first-time homebuyer origination fee!
  • Fast pre-approvals.
  • Bi-weekly payment option.

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.

Rate Watch!

Waiting to see if mortgage rates change in your favor? Enroll in Rate Watch to get an e-mail when our rates reach your targeted goal. Or, if you prefer, we'll send you a regular list of our latest rates. It's free. Sign up today!

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.

Application deposit

A $500 application deposit is required on all home loans three business days after you have identified a home to buy and been issued a good faith estimate. (No deposit necessary to get pre-qualified and pre-approved for an STCU loan until you have selected a property.) From the deposit, $100 is nonrefundable; the deposit will be applied to your loan charges due at closing.

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.

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