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Home Loans at Sound

Purchase or refinance. We have the right loan option for you.

Sound can bring you home with confidence.

Financing for your most valuable asset.

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Pre-Approval Process

Sound can complete underwriting ahead of time as an extra step to bolster your preapproval and make your offer more competitive.

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No Origination Fee

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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Flexible Rate Locks

We understand that life happens. If you need a couple extra days, they are on us! We’ll extend your approved, locked in rate for up to 5 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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Close on time

Your closing is important to us. Our local staff will take the stress out of the home loan process.

Choose the right home loan for you:

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)

Learn more

Low down payment requirements and lower interest rate

  • Low-cost mortgage for eligible veterans, service members and qualifying surviving spouses
  • Limited closing costs
  • No down payment
  • No Private Mortgage Insurance
  • Flexible credit requirements

Learn more

Low down payment requirement and lower interest rate

  • Low down payments
  • Low closing costs
  • Flexible credit requirements

Learn more

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.

Shelly Cox Sound Credit Union Mortgage Loan Officer

Shelly Cox

Mortgage Loan Officer NMLS# 803957
Stephanie Pahlow Mortgage Loan Officer

Stephanie Pahlow

Mortgage Loan Officer NMLS# 643787
Jamie Alford Sound Credit Union Mortgage Loan Officer

Jamie Alford

Mortgage Loan Officer NMLS# 740600
J Reid Sound Credit Union Mortgage Loan Officer

J. Reid Bullock

Mortgage Loan Officer NMLS# 260393
Sarah Meikle Sound Credit Union Mortgage Loan Officer

Sarah Meikle

Mortgage Loan Officer Manager NMLS# 850068
Heather Peery Sound Credit Union Mortgage Loan Officer

Heather Peery

Mortgage Loan Officer NMLS# 407489

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

Calculate a Mortgage Payment

Calculate a Mortgage Payment

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Ready to start the conversation about your mortgage?

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Disclosures

NMLS# 691150   ·   Equal Housing Opportunity

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.

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