More house for your money.
Boost your buying power with an adjustable-rate home loan at STCU.
How it works.
Adjustable-rate loans (also known as adjustable-rate mortgage, or ARM) from STCU help you get into the home you want, with greater buying power and monthly payments that fit your budget.
Choose from 3/1, 5/1, 7/1, and 10/1 adjustable-rate loans that initially fix your rate, then adjust annually with the market.
Or get the 5/5 home loan, with no loan origination fee!* STCU's 5/5 adjustable-rate mortgage caps your interest rate adjustments to ensure monthly payments are always within reach, even if the cost of money goes up.
- Interest rates often lower than fixed-rate loans.
- Up to 100% financing on 5/5 ARM for qualified buyers.
- Jumbo loans up to $1 million available.
- Available for homes purchased in Washington, Idaho, or Oregon.
- Fast preapprovals.
- No penalty for selling or refinancing your loan.
We make mortgage decisions locally and service all fixed- and adjustable-rate conventional home loans ourselves, so you can count on us being here for you.
Half off origination fee for first-time homebuyers.
Lower your rate, or improve your terms, on an existing home loan.
*Down payments required to waive loan origination fee. Origination fee may apply to investment or rental properties that are not owner-occupied.
Application deposit: No deposit is necessary to get preapproved for an STCU loan until you have selected a property. A $250 application deposit is required on all home loans three business days after you have identified a home to buy and been issued a loan estimate. Although $100 of your deposit will be nonrefundable, STCU applies your deposit to your loan charges due at closing.