Ready to stop renting?

Sound has the perfect first mortgage with a great rate just waiting for you. You may qualify for 0% down or one of our other programs that easily fits your budget. Whichever program works best for you, we will be with you every step of the way helping to make the process as smooth as possible.

We have lots of loan options:

• Fixed Rate
• FHA/VA
• Adjustable Rate
• Owner or Non-Owner Occupied
• Second or Vacation Homes

Plus, you'll save money with a home loan from us. Here's how:

• No application fee
• Lower interest rates
• Lower origination fees
• Reduced processing time

Convinced? Why not get pre-approved and start shopping for your new home today. Set up an appointment to meet with a Mortgage Loan Officer at your local branch by calling (253) 383-2016 or (800) 562-8130, or apply online through our Mortgage Service Center. While you're there check out the other great information, like loan programs & rates, information on property & appraisals, a glossary of terms and calculators.

You'll be in your new home in no time!

LAND LOANS

Where some people see vacant land, you see your dream home, or the perfect vacation getaway. Sound offers a loan that will help you see your dreams come true. Sound's land loan helps members buy land now for building a home in the near future.

• Borrow up to $500,000 to secure zoned residential property in Washington State (up to ten acres)
• Competitive, fixed rates that are amortized over 20 years
• Borrow up to 75% of the value of the land
• Enjoy seven years to pay off the loan

*APR = ANNUAL PERCENTAGE RATE. APR based on a loan amount $100,000 with 25% down payment on a "20 year amortization" with a "7 year balloon". Improved land must have public water or drilled well, public sewer or septic feasibility required, and power be provided at site boundary. Loan approval is based on your credit history and credit qualifications. We will finance up to 75% of the appraised value or purchase price. To calculate the Loan-to-Value (CLTV), take the land loan amount and then divide that by the value of the land. Property must be zoned residential and cannot exceed ten (10) acres. Maximum loan amount $500,000. Sound Credit Union must be in first lien position. 1% origination fee and other third party fees apply. Property must be located in Washington. Additional terms may apply; contact the Credit Union for more information.