Lock your rate before you shop

Apply for an STCU home loan and turn your dreams into reality

Whether you're upgrading, downsizing, buying your first or last home in Washington or Idaho, STCU is the place to go to secure a home mortgage that fits your budget.

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.

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 $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

Bi-weekly payments available

We accept bi-weekly payments set up automatically from an STCU account at the time of closing. A $100 fee will be assessed for this payment option if requested after loan closing.

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

With an STCU one-step construction loan, there's no second closing or additional financing when it's time to move into your new home. This saves you time, hassle, and money on closing costs. Select a 15- or 30-year fixed loan and lock in a competitive rate.

Our loans also give you more buying power with loan-to-value ratios of up to 90%. Nail down a construction loan today!

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.