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.
Need immediate preapproval on your home loan? Visit Apply right now for preapproval online. Print out your preapproval page to submit with your offer.
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.
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.
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.
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!
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.
Now you can lock in your interest rate at the time that you apply for a home loan, protecting against rising interest rates. More
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.
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.