STCU home loans

At STCU, relationships are built to last. We make mortgage decisions locally, and we service all conventional home loans ourselves. Whether you're upgrading, downsizing, building, or buying your first or last home in Washington or Idaho, STCU can help.

  • Great rates!
  • Low fees.
  • Conventional fixed- and adjustable-rate loans.
  • 3% down loans available to qualified homebuyers. 
  • FHA and VA loans.
  • Construction loans.
  • Service area includes properties in Washington, Idaho, and Oregon.
  • 5/5 ARM
  • Half off the origination fee for first-time homebuyers!
  • Fast pre-approvals.


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    Lock your rate before you shop

    Now you can lock your interest rate as you search for your dream home!

    Lock in the best rate available on an STCU conventional home loan for up to 60 days after you've been pre-approved, then shop at your leisure, knowing your interest rate is guaranteed!

    If rates drop, you can always unlock your rate for free after you have a sales agreement on your home.

    Check STCU rates and details on conventional home loans.

    Government-backed loan options

    Not everyone qualifies for a government-backed, or guaranteed mortgage, but when you do, it can make it easier to buy a home with monthly payments that meet your budget.

    • FHA loans — A mortgage backed by the Federal Housing Administration can help keep your down payment low, reducing your closing costs, and allow you to qualify for a loan when conventional financing won't. Great for first-time homebuyers!
    • VA loans — 100% financing available! Eligible veterans may qualify to purchase a new home with no down payment.

    Construction loans

    Build the house of your dreams with a one-step construction loan that automatically converts to permanent financing upon completion of the project. Unlike many lenders, STCU lets you lock your rate at the beginning of construction with one loan that's good for as long as you own your home. Contact us at (800) 858-3750 to learn more.

    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.

    Application deposit

    A $250 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?

    Now you can lock in your interest rate at the time that you apply for a home loan, protecting against rising interest rates. More

    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.