Home Loans WA

Home Loans WA

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

Home Loans WA

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

Meet our Mortgage Loan Officers

Your home is one of the biggest purchases you’ll make. Together, we’ll help you find the right mortgage for your dream home.

Get a great rate on your most valuable asset.

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.

Quick Pre-Approvals

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

Experienced Loan Officers

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

Fast Processing

Closing in as little as 30 days.

Rate Lock

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

Choose the right home loan for you:

  • Best If You

    Best If You

  • Available Terms

    Available Terms

  • Down Payment

    Down Payment

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

  • Down Payment

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

Adjustable Rate Mortgages (ARM)

  • A lower initial interest rate that may vary after a fixed period

  • Best If You

    Expect to own your home for a short period of time and want to take advantage of lower rates and payments

  • Available Terms

    15 or 30 years with initial fixed rate periods of  3, 5, 7, or 10 years

  • Down Payment

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

Express Mortgages1

  • Refinance your existing home with no closing costs and get on the road to a mortgage-free life

  • Best If You

    Have good equity in your home and really hate paying a mortgage every month

  • Available Terms

    5, 7, 10, 12, or 15 years

  • Down Payment

    As low as 25%

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

  • Down Payment

    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 Homes Online

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

 

 

Start Your Search

Pay your Mortgage Online

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

Mortgage Payment Center

hands on computer while holding bill Mortgage-Payment-Center

Ready to start the conversation about your mortgage?

Stop by a local branch

Find a Branch

Start your application online

Apply Online

Call us

800.562.8130

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

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Additional Details

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.