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.
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.
Home loan options.
Estimate your fixed monthly payment with our home loan calculator.
|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 HUD.gov.
|5% down||Homebuyers who prefer conventional financing, but with just 5% down payment. Conventional terms available.
|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 VA.gov 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 USDA.gov. 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.
*All loans subject to approval, including a credit check.
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.