X Sound CU App on Google Play Store Sound CU App on App Store VIEW VIEW

Home Loans at Sound

Buy a home with Sound.

Sound can bring you home with confidence.

Financing for your most valuable asset.

Bullseye class=”wrapper”>

Pre-Approval Process

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

Dollar Sign class=”wrapper”>

No Origination Fee

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

Hand with Dollar class=”wrapper”>

Doable Down Payments

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

Lock class=”wrapper”>

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.

Team Check class=”wrapper”>

Experienced Loan Officers

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

Timer class=”wrapper”>

Close on time

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

Sound offers a variety of home loan options to suit your financial picture.

Let us help 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

Senior Mortgage Loan Officer NMLS# 803957

Serving Burien, Federal Way, Seattle, Southcenter (Tukwila)

Apply with Shelly

Stephanie Pahlow Mortgage Loan Officer

Stephanie Pahlow

Senior Mortgage Loan Officer NMLS# 643787

Serving Alderwood, Edmonds, Everett, Lynnwood, Mukilteo

Apply with Stephanie

Jamie Alford Sound Credit Union Mortgage Loan Officer

Jamie Alford

Senior Mortgage Loan Officer NMLS# 740600

Serving Auburn, Bonney Lake, Graham, Parkland, Puyallup

Apply with Jamie

J Reid Sound Credit Union Mortgage Loan Officer

J. Reid Bullock

Senior Mortgage Loan Officer NMLS# 260393

Serving Gig Harbor, Lakewood, Key Center, Pacific Ave (South Tacoma), Westgate

Apply with J

Sarah Meikle Sound Credit Union Mortgage Loan Officer

Sarah Meikle

Mortgage Loan Officer Manager NMLS# 850068

Serving Downtown Tacoma and Olympia

Apply with Sarah

Heather Peery Sound Credit Union Mortgage Loan Officer

Heather Peery

Senior Mortgage Loan Officer NMLS# 407489

Serving Bellevue, Bothell, Kent, Redmond, Shoreline

Apply with Heather

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
making payment online

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

Calculate a Mortgage Payment

Calculate a Mortgage Payment

Boost Your Credit Score: 4 Myths Debunked

Boost Your Credit Score: 4 Myths Debunked

Your credit score is a reflection of your borrowing and repayment behaviors, and that means you have a lot more control over it than you think. Continue reading

5 Signs You’re on the Path to Becoming Financially Aware

5 Signs You’re on the Path to Becoming Financially Aware

Financial awareness starts with information, and we all make the best decisions we can with the resources we have available to us.  Continue reading

Ready to start the conversation about your mortgage?

Get started now
Apply online
Call Us

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.