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Or call us at (844) 347-3898.

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Click 'Apply now' to create a home loan account.

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

We have the right home loan for you.

Whether this is your first home or you’re looking to upsize, our team of home loan officers will find the best financial fit for you.

We make loan decisions locally – and service all conventional loans ourselves. That means no random companies asking for a mortgage payment. We’re the top home lender in Spokane County and serve all our communities with your best interest in mind.

All STCU home loans offer:

Home loan highlights.

10% down, no mortgage insurance.

Lower your payment, find flexible terms, and keep more money in your pocket.

Adjustable-rate mortgage.

Lower payments at the beginning of the loan, available as a 3, 5, 7, or 10-year adjustable-rate mortgages, and more. 5/5 ARMs also available.

Jumbo loan.

Get financing for home loans over $726,000. Flexible loan options, and keep your loan locally serviced.

Down payment match.

Available to first-time homebuyers. Get up to 5% of your down payment matched, and pay 0% APR on the matched amount.

100% financing, zero down.

Pay closing costs only. Available as 30-year fixed rate or 5/5 ARM, and first-time homebuyers can cut origination fees in half.

Conventional fixed-rate mortgage.

If you plan to stay in your home at least 10 years, choosing a 15, 20, or 30-year conventional fixed-rate loan is a good option. It gives you a predictable, or fixed, monthly payment.

Estimate your fixed monthly payment with our home loan calculator.

Find your payment

You could buy a home with less than a 20% down payment.

Yes, having a bigger down payment may help you qualify for a higher home purchase price, but it’s not the only way to do it. First-time homebuyers could qualify for down payments as low as 3%, with down payment match programs that could help you meet the 3% minimum. 

Prefer conventional financing but want to put just 5% down? It’s possible. There are even some 0% down options.

First-time homebuyer?

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.

Get started

Government-backed loans.

3.5% down FHA.

If you’re a qualified Federal Housing Administration (FHA) borrower, you might only need a 3.5% down payment to move in. Learn more at

Zero down-USDA.

There’s no down payment required if you’re looking to buy a home in a designated rural community and you’re a qualified buyer. Learn more at and check USDA loan eligibility.

Zero down-VA.

If you’re a qualified military veteran, you can buy a home with 0% down and no mortgage insurance. Visit to learn more.

Apply now

Get in touch.

Contact our Home Loan team.
North Idaho | Eastern WA | 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. View all terms, rates, and find payment examples.

December 2022 home lender report from WFG National Title Company of Eastern WA.