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Apply for a Home Loan in Federal Way

Sound is here to support you during your journey in becoming a homeowner.

With our experience and home loan knowledge, let Sound be your trusted guide. When you apply for a Sound Credit Union home loan in Federal Way , you’ll experience the credit union difference with competitive rates and fees, tools and advice, and helpful service and support.

Get a great rate on your most valuable asset.

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Quick Pre-Approvals

Get pre-approved in as little as one business day and start shopping.

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No Application Fees

Homes cost enough already. We won’t pile on.

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Doable Down Payments

Purchase your dream home for as little as 3% down.

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Rate Lock

Lock in your approved loan rate for 30, 45, or 60 days.

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Experienced Loan Officers

Knowledgeable staff is available online, in person, and over the phone through every step.

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Flexible Closing

We’ll help coordinate a closing time and place that works for you.

Choose the right home loan for you.

  • Best if you…

    Best if you…

  • Available terms

    Available terms

  • Downpayment


Fixed Rate Mortgages

  • Guaranteed rates through the life of your loan

  • Best if you…

    Want a guaranteed rate or are financing a second property

  • Available terms

    10, 15, 20, or 30 years

  • Downpayment

    As low as 3% with PMI (20% to avoid PMI)

FHA, VA, and USDA Loans2

  • Loan options with low or no down payment requirements and lower interest rate

  • Best if you…

    Have limited cash, minor credit problems, or low to moderate income

  • Available terms

    15 or 30 years

  • Downpayment

    0% on VA and USDA

    As low as 3.5% on FHA

Get help finding, buying or selling your next home.

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Search Homes Online

Search for homes, find an agent, and earn cash rewards.

No Origination Fee First Mortgages

Buying a home or refinancing a non-Sound first mortgage? With low interest rates and a variety of mortgage loan options to choose from, Sound has a program that fits your lifestyle.

Learn more

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Pay your Mortgage Online

Make mortgage payments, view your history, submit payoff requests, and find information on your loan with our Mortgage Payment Center.

Visit the Mortgage Payment Center
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Discounts for Green Purchases

Receive an additional .25% off your rate when financing a qualifying energy-saving home improvement.

See what home improvements qualify

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Get the Answers You Need About Home Loans

A home loan, or mortgage, is a sum of money loaned to a borrower by the credit union (or bank) to buy a livable property, including a house, apartment, or condo.

Sound Credit Union offers home loans. Learn More »

In general, to qualify for a home loan, you must have a reliable source of income, a permissible debt-to-income ratio, a fair- to good credit score, and funds for a down payment.

Sound Credit Union offers home loans. Learn More »

Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.

Making payments from a Sound savings or checking account:

  • Use Online, Mobile or Telephone Banking to make a one-time payment transfer.
  • Recurring payments can also be pre-scheduled in Online Banking.
  • Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.

If you’re paying from an account at another financial institution:

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

  • Make payments online through the Mortgage Payment Center
  • Send payments along with your monthly tear-off coupon to the address below
    Sound Credit Union
    Attn: Payment Processing
    PO Box 11733
    Newark NJ 07101‐4733

Online Banking offers instant access to all of your Sound Credit Union accounts 24/7, whether you’re at home, at work, or on vacation.

Use Online Banking to:

  • View account balances and history
  • Create budgets and track spending
  • Transfer money between your accounts
  • Review your dividend earnings
  • Access your eStatements and eNotices
  • View loan account information
  • Use Bill Pay to make payments
  • Transfer money to any member’s account
  • Apply for a loan
  • View and redeem Sound Rewards

Ready to Start the Conversation About Your Mortgage?

Stop by a local branch
Find a branch
Get started now
Apply online
Call Us

Want to be money smart? We’ve got your back.


All loans require Sound membership and are subject to credit approval. Verification of income may be required. Must be 18 years of age to qualify for loan. APR is Annual Percentage Rate. Rate and offer subject to change at any time.

1Express Mortgage: No closing costs except appraisal if needed. Estimated appraisal cost is $500. Homeowners insurance is required. A $345 early closure fee is applied if the loan is closed within the first 24 months. Borrow up to 75% of appraised value. Loan payment based on term. Maximum loan amount of $249,999. Financing only available on owner-occupied homes in Washington State. Member pays taxes and insurance.

2FHA: Premium Mortgage Insurance (PMI) required for life of loan. VA: available to active duty military or qualifying veterans only.