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Visit the borrower portal to continue your application, to sign and upload documents, or to check your status.

For homebuyers.

Ready to plant your first garden? Or enlarge your space for a growing family? An STCU home loan could make it happen.

For more than 80 years, we've been helping homeowners with relationships that last a lifetime. To get started on your dream, contact any member of our Home Loan team or review the loan options below.

First-time homebuyer?

At STCU, we believe homeownership is a critical step to your long-term, financial success. If you're a first-time homebuyer — or have not owned a home in the last three years — we'll help you get into your first place by reducing loan fees and upfront costs. STCU offers you:

  • 50% off loan origination fee!
  • Review of your eligibility for $0 and lowdown payment home loans.*
  • Government-backed FHA, VA, and USDA home loan options.

First-time homebuyingContact a Home Loan expert

Home loan options.

Traditional | Low down | Zero down

Traditional down payment home loans.
Loan Best for
Conventional fixed-rate Homebuyers who plan to stay in their home at least 10 years, choosing a 15-, 20-, or 30-year loan that provides a predictable, or fixed, monthly payment.
10% down, no mortgage insurance Creditworthy borrowers ready to pay 10% down to avoid monthly mortgage insurance premiums. Available in 15-, 20-, and 30-year terms.
Conventional adjustable-rate Homeowners who want a low rate, giving them greater purchasing power, but with plans to refinance or relocate in the near future. Available as a 3-, 5-, 7-, or 10-year adjustable rate mortgage, or ARM.
5/5 ARM Homebuyers who want to lock in a great rate for five years, in anticipation of refinancing or selling the home later.
Jumbo Homebuyers seeking a loan greater than $548,250. Fixed and 5/5 ARM options available with low fees.

Estimate your fixed monthly payment with our home loan calculator.

Find your payment

Low down payment home loans.
Loan Best for
3% down Homebuyers willing to manage higher monthly payments in exchange for a modest 3% down payment. Conventional terms available.
3.5% down FHA Qualified Federal Housing Administration (FHA) borrowers with a modest 3.5% down payment to move in. Learn more at
5% down Homebuyers who prefer conventional financing, but with just 5% down payment. Conventional terms available.
Down payment match*

First-time buyers can boost their buying power with a down payment match loan from STCU, up to 5% of the purchase price. Pay 0% APR on the matched amount, and owe nothing until the end of your loan term, or if you refinance, get a home equity loan, or sell your home.

Zero down payment home loans.
Loan Best for
Zero down1 Creditworthy borrowers who lack the cash for a down payment — or who prefer to use their cash elsewhere. Available as 30-year fixed-rate or 5/5 ARM.
Zero down-VA Qualified military veterans who want to purchase a home with $0 down payment — and no mortgage insurance. Visit to learn more.
Zero down-USDA Qualified buyers seeking to buy a home in a designated rural community — with $0 down payment. Learn more at Check USDA loan eligibility

All STCU home loans offer:

  • Low fees.
  • Great rates!
  • Fast preapprovals.2
  • Local decision-makers. 
  • No prepayment penalties.
  • Principal-only payments welcome.
  • In-house servicing of conventional home loans.
  • Secure, 24-hour statements, with free online banking.

Apply now

Get in touch.

Contact our Home Loan team.
Idaho | Spokane | Tri-Cities.

Visit in person.
Drop by any Home Loan Center.

Call us.
WA (509) 344-2966
ID (208) 619-5235
Tri-Cities (509) 755-3729

Email us.


*All loans subject to approval, including a credit check. Contact us for more information.

1Assuming a $0 down purchase for a $180,000 loan, with a 30-year term at 5.776% APR, your monthly payment on a single-family home would be $966.28. Payment examples do not reflect taxes, insurance, or other charges you may incur.

2Loans subject to approval. No deposit required to get prequalified for an STCU loan until after 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 from STCU. The first $100 of your deposit is nonrefundable; however, 100% of your deposit is applied to any loan charges due when you close on your STCU home loan.