BECU Mortgage Rates

BECU Mortgage Rates

Thank you for considering BECU for your home loan needs. We are a not-for-profit credit union committed to the financial well-being of members. We offer competitive rates, fewer fees and more affordable financial services. We are here to help you find the best solution for your specific financial situation.

For additional information about our home loan options, visit or call a BECU mortgage representative at 800-233-2328 x5772.

Additional Information Regarding Rates: All interest rates and annual percentage rates (APRs) are accurate as of the effective date and are subject to change without notice. The APR will be based on the final loan amount and applicable finance charges. Loans are subject to credit approval and other underwriting criteria. Home Loan programs, terms and conditions subject to change without notice.

Rate Schedule Effective:

Products

Interest Rate

10/6 ARM SOFR 3/6 ARM SOFR

5/5 ARM CMT

5/6 ARM SOFR 7/6 ARM SOFR 30 Year Fixed

Conforming

FHA 30 Fixed 15 Year Fixed

Conforming 20 Year Fixed

Conforming 15 Year Fixed Jumbo

30 Year Fixed Jumbo

5/5 ARM CMT Jumbo VA 30 Year Fixed 30 Year Fixed HomeReady

5.500% 5.375% 5.250% 5.125% 5.250% 5.250% 6.125% 6.000% 5.875% 5.875% 5.750% 5.875% 5.500% 5.375% 5.625% 5.500% 5.250% 5.875% 5.875%

12/1/2022

Discount Points

0.625 0.875 0.875 0.875 0.250 0.750 0.250 0.250 0.000 -0.875 -0.875 -0.125 -0.125 -0.125 0.000 0.000 0.625 0.000 0.375

11:07 AM

APR

6.030% 6.511% 6.199% 6.130% 6.249% 6.087% 6.195% 6.081% 7.031% 5.814% 5.708% 5.919% 5.528% 5.418% 5.654% 5.537% 6.161% 6.101% 5.970%

Estimated Payment $1,362.69 $1,343.93 $1,325.29 $1,306.77 $1,325.29 $1,325.29 $1,458.27 $1,438.92 $1,419.69 $2,009.08 $1,992.98 $1,702.17 $5,719.58 $5,673.26 $4,029.59 $3,974.52 $3,865.43 $1,419.69 $1,419.69

No. of Example Loan

Owner

Payments

Amount

Occupied?

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

360

$240,000

Yes

180

$240,000

Yes

180

$240,000

Yes

240

$240,000

Yes

180

$700,000

Yes

180

$700,000

Yes

360

$700,000

Yes

360

$700,000

Yes

360

$700,000

Yes

360

$240,000

Yes

360

$240,000

Yes

Loan Purpose

Rate/Term Refinance Rate/Term Refinance Rate/Term Refinance

Purchase

Rate/Term Refinance Rate/Term Refinance Rate/Term Refinance

Purchase

Purchase

Rate/Term Refinance

Purchase

Rate/Term Refinance Rate/Term Refinance Purchase

Rate/Term Refinance

Purchase

Rate/Term Refinance

Purchase

Purchase

Credit Score

740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+ 740+

Down Payment

N/A N/A N/A 20% 20% N/A N/A 20% 3.50% N/A 20% N/A N/A 20% N/A 20% N/A 0% 20%

Estimated Closing Cost

$3,537.59 $4,137.59 $4,137.59 $5,674.77 $2,637.59 $3,837.59 $2,637.59 $4,174.77 $4,476.59

-$62.41 $1,474.77 $1,737.59 $1,697.55 $4,481.55 $2,572.55 $5,356.55 $6,947.55 $3,703.75 $4,549.77

Estimated monthly payments are based on an Example Loan Amount with no cash out, no subordinate financing, an applicant Credit Score, the Interest Rate and Discount Points disclosed above applicable to the Product, and does not include amounts for taxes and insurance. Actual payment amount will be greater if an escrow account for taxes and insurance is established. Rate may be higher than advertised rate depending on loan terms and credit qualifications. ARM rates are subject to change after loan closing. Property insurance is required and flood insurance may be required.

Products

12 Year No Fee

Interest Rate

5.750%

Discount Points

0.00

APR

5.885%

Estimated Payment

$1,925.92

No. of Payments

Example Loan Amount

144

$200,000

Owner Occupied?

Yes

Loan Purpose

Rate/Term Refinance

Credit Score Down Payment Est. Closing Cost

680+

N/A

$0.00

No Fee loans are for refinances only. Borrower is responsible for paying all fees and charges related to the existing loan (for example, payoff demand, reconveyance fee and/or any prepayment penalty imposed by existing lender). The APR in the example assumes the payment of 15 days of interest at closing. The borrower is responsible for payment of per diem interest, payment of property taxes, and insurance premiums (if due).

Mortgages are available in: WA,OR,ID,CA,AZ,KS,MO,PA,IL,SC only

BECU 465 06/2016

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