Apply for a Home Loan in Gig Harbor
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 Gig Harbor , 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.
Quick Pre-Approvals
Get pre-approved in as little as one business day and start shopping.
No Application Fees
Homes cost enough already. We won’t pile on.
Doable Down Payments
Purchase your dream home for as little as 3% down.
Rate Lock
Lock in your approved loan rate for 30, 45, or 60 days.
Experienced Loan Officers
Knowledgeable staff is available online, in person, and over the phone through every step.
Flexible Closing
We’ll help coordinate a closing time and place that works for you.
Choose the right home loan for you.
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Best if you…
Best if you…
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Available terms
Available terms
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Downpayment
Downpayment
Fixed Rate Mortgages
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Guaranteed rates through the life of your loan
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Best if you…
Want a guaranteed rate or are financing a second property
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Available terms
10, 15, 20, or 30 years
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Downpayment
As low as 3% with PMI (20% to avoid PMI)
FHA, VA, and USDA Loans2
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Loan options with low or no down payment requirements and lower interest rate
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Best if you…
Have limited cash, minor credit problems, or low to moderate income
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Available terms
15 or 30 years
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Downpayment
0% on VA and USDA
As low as 3.5% on FHA
Get help finding, buying or selling your next home.
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.
Pay your Mortgage Online
Make mortgage payments, view your history, submit payoff requests, and find information on your loan with our Mortgage Payment Center.
Discounts for Green Purchases
Receive an additional .25% off your rate when financing a qualifying energy-saving home improvement.
Back to top 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:
- Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
- Visit a Sound branch to make your payment by cash or check.
- Visit a CO-OP Shared Branching location to make your payment.
- Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.
*Maximum payment amount is $1500. Fees may be assessed.
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?
Disclosures
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.