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Home Loans in Washington

Mortgages or HELOCs. We have the right loan for you.

Mortgages to Fit Your Lifestyle
  • Competitive Rates
  • No Application Fee
  • No Origination Fee
  • Flexible Closings
  • Pre-approvals in as little as one business day
  • Lock in your rate for up to 60 days
  • Online or In Person Assistance

No Origination Fee First Mortgages

Low rates and a variety of first mortgage loan options.

Membership beats customership.

As a local, member-owned cooperative, we return our profits to our members and the communities we serve. Since 1940, we’ve helped Washingtonians buy dream homes and new cars, or save for rainy days.

Sound has experts that can help you find the best options for you and your money.

state agent talking with couple

Getting Started on The Path to Homeownership

If you’re a first-time homebuyer, it pays to learn the ins-and-outs of mortgage financing so you’ll know what to expect.


All loans 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. The No Origination Fee promotion is a limited time offer and is subject to change at any time. FHA & USDA loans are excluded from this offer. Mortgaged property must be located in Washington, Oregon, or Idaho. This offer cannot be used with any other discounts and is not available on home equity or home equity lines of credit. Standard underwriting guidelines apply. Membership at Sound Credit Union is required with no minimum savings balance.

1FHA: Premium Mortgage Insurance (PMI) required for life of loan. VA: available to active duty military or qualifying veterans only.