Got it there. Refinance it here.

Pay nothing.

Got it there? Refinance it at STCU. And pay no closing costs!

Get a $0 cost home loan!*

What could be better than low, low mortgage rates? How about a $0 cost home loan when you refinance?

Reduce your cost of debt by refinancing your home loan from another institution at STCU, where we offer the 10-year mortgage on a 20-year term—with no closing costs for those who qualify.

Offer limited to loans not currently financed by STCU. The $0 cost home loan is allowed once per borrower, even if previous loans are paid off. (See disclosures below.)

Apply now!

STCU's 20-year term keeps your monthly payments down, so it works for those who want a lower rate—and for those who want to pay off their home loan faster.

Using conservative underwriting guidelines and streamlined online applications, STCU offers this deal to our members (and those who want to join us) who meet the following qualifications:

  • Refinancing a single family home in Washington or Idaho not currently financed by STCU.
  • Primary residences only. (No investment, condo, second homes, or manufactured homes.)
  • Loans up to $250,000.
  • Have at least 25% equity in your home.

Don't let the price of closing fees keep you from reducing your debt. Refinance today and start saving more money for yourself!

STCU home loans
STCU branch locations
Apply online!

*Important disclosures for the $0 cost home loan.

There are no closing costs associated with this loan unless it is determined by STCU that an appraisal is necessary. You will be required to pay any pre-paid items at closing (interest from the day of funding and pre-collected escrows).

Offer limited to loans not currently financed by STCU. One-time offer per borrower, even if previous 10-year fixed rate home loan was paid off.

20/10 fixed loan
This is a 10-year fixed home loan, using a 20-year rate and a 10-year balloon. That means it allows for the amortization of payments over a 20-year period with a balance due in 10 years. The interest rate is fixed for the 10-year term of the loan, providing for monthly payments that do not change. (See example below.) At the end of the 10-years, the balance remaining is due in full. You may have the right to refinance the remaining balance due with STCU, subject to certain conditions.

Rates are subject to change without notice. To lock a rate, an application must be submitted and a rate lock request processed with an STCU real estate loan officer.

Don't qualify for a 10-year loan? STCU also offers 15-, 20-, and 30-year mortgages. Check the rates

Payment example
Assuming a loan amount of $180,000, and an estimated property value of $240,000, with an interest rate of 4.75%, the monthly payment schedule would be 119 payments of $1,163.20 and one final payment of $112,105.69. If an escrow account is required or requested, the actual monthly payment would also include amounts for real estate taxes and homeowner's insurance premiums.