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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:

See all STCU home loan options.

Home loan.

What it is.


Homeownership is affordable with our Federal Housing Administration (FHA) loans. They offer down payment options as low as 3.5% and competitive interest rates.

FHA loans are backed by the federal government, making homeownership a possibility if you don’t qualify for a conventional mortgage.

These loans are great for homebuyers who have a smaller down payment or lower credit score. Learn more at

Learn more about FHA loans

5/5 Adjustable-rate mortgage.

Save money early on in homeownership. A 5/5 ARM offers a low interest rate that stays the same for the first 5 years before it adjusts to the market rate. It’s a great alternative to the 2-1 buydown options.

It’s a good fit if you plan to stay in your home for around five years and want to start out with a lower interest rate.

Conventional fixed-rate.

The interest rate won’t change for the life of the loan. That gives you some predictability around your monthly payment. We offer 10, 15, and 30-year terms.

It’s a great option if you expect to live in your home for around 10 years.
Adjustable-rate mortgage.

ARMs let you take advantage of a low fixed rate for a certain number of years at the beginning of your loan. Once that fixed-rate term is over, your loan will adjust periodically.

The lower rate at the start could help you qualify for a larger home loan. 

Available as 3, 5, 7, or 10-year ARMs and 5/5 ARMs.

This home loan option is good if you plan on being in your home for a short period of time.
10% down, no mortgage insurance.

Usually when you're getting a home loan and you don’t put down 20%, you must get mortgage insurance. It can make your monthly payment go way up.

If you qualify with STCU, you only need to put down 10%. That means you can hang onto more of your cash for the stuff you really enjoy.

Do you have a strong credit history and 10% to use as a down payment? This could be for you.
Down payment match.

First-time homebuyers can boost buying power with a down payment match. We’ll match up to 5% of the down payment on your STCU first mortgage. You’ll pay 0% APR on the matched amount.

This could be an ideal fit if you’re a first-time homebuyer looking to put down a larger monthly payment.
100% financing, zero down.

Homeownership could be obtainable with a $0 down loan. You’ll only pay the closing costs. It’s available as 30-year fixed-rate or 5/5 ARM.

This loan could be for you if you have strong credit history and stable income but can’t put 20% down.


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

These loans are best suited for you if you have a high income and are looking to buy a home that exceeds conventional loan limits.
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.

Plan ahead.

Estimate your fixed monthly payment with our home loan calculator.

Find your payment
First-time homebuyers

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-timers get extra.

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

Apply now

Get in touch.

Contact our team.
North Idaho | Eastern WA | Tri-Cities.

Email us.

Visit in person.
Drop by any Home Loan Center.

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


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.