Mortgages that fit your home loan needs
Prequalify for a mortgage or apply with an accepted home purchase contract. We offer:
- Fixed- and adjustable-rate mortgages
- Pre-purchase homeownership counseling
- Welcome Home Grant down payment assistance
Mortgages that fit your home loan needs
Prequalify for a mortgage or apply with an accepted home purchase contract. We offer:
- Fixed- and adjustable-rate mortgages
- Pre-purchase homeownership counseling
- Welcome Home Grant down payment assistance
Skip to home loan rates
See Rates: Fixed Rate | FHA Loans | Jumbo Loan | VA Loans | Adjustable Rate
Make home buying easier.
Talk to a Home Loan Officer
Our experts help you understand your options so you can be confident in your decision.
Home loan education
Read more about mortgages and other factors that affect home purchase decisions.
Mortgage calculators
Estimate home loan affordability or monthly payments for a specific loan.
Fixed Rate Mortgages
Fixed-rate mortgages are among the most common types of home loans.
- Great for buyers who have a sizeable down payment
- Longer term lengths typically mean lower monthly payments
- Shorter term lengths typically mean lower interest rates
Fixed Rates
Rates subject to change at any time.
FHA Loans
WSECU’s Federal Housing Administration loan may be a great option for buyers who don’t have a large down payment.
- FICO credit score of 640 needed
- Minimum down payment of 3.5% needed
- Less restrictive debt-to-income guidelines
FHA Rates
Rates subject to change at any time.
VA Loans
WSECU proudly offers VA loans backed by the Department of Veterans Affairs. Qualified military borrowers include active-duty personnel, veterans, reservists, National Guard members, and their surviving spouses.
- No down payment required on eligible loans
- No private mortgage insurance (PMI) required
- Home must be primary residence
- One-time VA funding fee can be financed into loan
- Fixed- and adjustable-rate options
VA Loans
Rates subject to change at any time.
Adjustable Rate Mortgages (ARM)
If you don’t expect to keep your home long, an ARM might be a good choice.
- Interest rates are fixed for an initial period, then adjusted periodically
- Ex: a 7/6 ARM has a fixed rate for seven years, then adjusted every six months after
- WSECU offers 30-year terms with 5/6, 7/6, 10/6, and 15/1 options
Adjustable Rate Mortgage Rates
Rates subject to change at any time.
Make an appointment with your personal home loan helper
WSECU Home Loan Officers offer personalized 1:1 mortgage support. They’ll help you determine the loan type, term length, or amount that suits you best.
Have further questions? Send us an email.