Home Loans

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We know it's what's behind the door that matters most.

Every financial situation is different - give us a call at (509) 328-2900.

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Buying a home is one of the most significant purchases most of us ever make. We are here for you with a convenient and timely loan process to help you feel confident and informed the entire journey.

We have several options to help you out with real estate-related loans, including:

  • Home purchase
  • Home refinance
  • First and second mortgages on your primary residence
  • First mortgage on a non-residence
  • First mortgage on undeveloped land
  • Home improvements
  • 30-year home mortgages through Servion

Request more loan information.

 

30-year Mortgages 

You put a lot of thought into buying a house that you will be happy with for years to come. Our goal is to make sure you feel just as good with your mortgage decision, too. You can have the best of both worlds! Please complete our pre-application to get started.  

Pre-Application

 

15-year mortgages - Rates as low as 3.920% APR*

Don't want a 30-year commitment? Check out our 15-year home loan option! We'll make the loan process easy so you can get to enjoying your new home. 

Apply now 

*APR=Annual Percentage Rate.  Payment Example: 15 year fixed loan in the amount of $180,000 with a 1% origination and document fee with financing 80% LTV. Rate includes a 0.25% off for automatic payment and 0.25% off for additional services.

 

Mortgage & Home Equity Loans

As the real estate market ebbs and flows, you might want to check up on your home's value to see if you've accrued equity. Utilizing that equity allows you to do things like create your own personal outdoor oasis, remodel your kitchen or perhaps pay off some nagging bills.

Let's make your dream home come true. Apply for a loan with us today!

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Home Equity Line of Credit

Lower rates, higher credit limit, endless possibilities! Apply for a Home Equity Line of Credit and utilize your home equity whenever and however you need it. You can access your Home Equity Line of Credit at any of our branches, over the phone, in-home banking, and through EDNA. We're here to help! Apply online today.

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This Home Buyer Guide provides you with helpful information to simplify the mortgage process and help you achieve your personal and financial goals. Click the image above to view the guide!

 

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Spokane Federal is more than just your credit union, we're part of your community. Let us help connect you with your community.