Home Loans at Northwest Community Credit Union

Open new doors.

From mortgages to home equity lending, our team is here to help get you settled and make your house into a home.

Already have a mortgage?
Access your existing mortgage

Thinking about upgrading parts of your home?

Buy or Refinance a Home

Ready to buy or refinance a home? We can find the right loan option for you by assessing your lifestyle, finances, and home goals.

First-Time Homebuyer Program

We know that buying a home for the first time is a daunting process, which is why we’ve created a special First-Time Homebuyer Program to help you through it!

Loan Type	Benefits
Our first-time homebuyer program loan offers a fixed rate, so you'll have the same interest rate for life.	No money down, 100% financing No income limitations No private mortgage insurance required Reduced loan origination fee Local lending

Apply for a First-Time Homebuyer Loan

Fixed Rate Home Loans

This is the most popular type of home loan because it is easier to budget.

Loan Type	Benefits
Fixed rate home loans have the same interest rate for the life of the loan. Generally, the shorter the term, the lower the rate.	Protection from rising interest rates Predictable monthly payments means it's easy to budget Low, affordable interest rates Multiple terms available No initial loan application fees

Jumbo Mortgage Loans

Looking for a luxury or high-end home? Or a house in a high-demand area?

Loan Type	Benefits
Fixed and variable rate options available for loan amounts above the conforming limit of to $766,550.	Competitive interest rates Purchase and refinance options available Loan amounts up to $2 million

Apply for a Jumbo Mortgage Loan

FHA Home Loans

The Federal Housing Administration backs qualified loans provided by Northwest Community to promote home ownership to those with limited savings.

Loan Type	Benefits
This loan is good for those who are looking to buy their first home but don’t have a 10% down payment.	Low down payment requirement Flexible credit requirements for those working on improving their credit Gifted down payment funds from family are eligible

VA Home Loans

The Department of Veteran Affairs backs mortgages provided by Northwest Community to qualified military members.

Loan Type	Benefits
A mortgage loan for qualified military members.	No down payment required No monthly mortgage insurance premium Flexible credit requirements for those working on improving their credit Available to qualified Veterans who are looking to purchase or refinance

ITIN Home Loans

Loan Type	Benefits
A mortgage loan for members with ITINs.	Helps build credit Become a homeowner without needing a social security number.

ChoiceLine Home Equity Line of Credit

Your home’s equity can unlock the funds you need to accomplish your next renovation or addition.

Apply Now

Whether it’s kitchen remodel, a bathroom upgrade, or a new deck, a ChoiceLine Home Equity Line of Credit can help you get the job done. Credit lines are available for up to 100% of your home’s value.

CHOICELINE HELOC FEATURES
Convenience and flexibility of a large credit line Allows you to re-use the funds as you pay the balance Make the choice to draw on the available portion of your variable rate line of credit whenever you need Lock in part or all of the outstanding balance at a fixed rate and term Variable rates as low as 7.50% APR*

Use our handy calculator below to determine your borrowing capacity:

Home Loan Calculator

*Individual rates may vary. Rates, terms and conditions are subject to change and may vary based on creditworthiness, age and condition of collateral, and product selected. All loans subject to approval. Annual Percentage Rate (APR) on ChoiceLine Equity rate range is 7.50% - 9.50%. Higher APR on manufactured homes classified as real property and on loan-to-values exceeding 80%. The variable APR is subject to change monthly, based on The Wall Street Journal Prime Rate, and will not exceed 18% over the life of the line. Appraisals for a single unit property range from $750-$800. Draw period for line is 10 years. Value method and cost determined during application process. If a property appraisal is required borrower pays for appraisal costs. Fixed advances may be taken under the line for a fixed term and APR; ask us for current rates, terms and applicable charges. Property insurance is required. Borrower is responsible for any escrow fees if a home equity line requires closing in escrow; applicable charges will be disclosed prior to closing. Property must be owner occupied and located in the states of Washington or Oregon. NMLS #530610

For a limited time, save 0.375%* on qualifying mortgage loan interest rates! Contact our home loan experts at 800-452-9515 or apply today to get started.

Additionally, the first 75 members who apply for a mortgage loan between May 1 - July 31, 2025 and close within 60 days will receive a $200 Lowe's gift card! (while supplies last)**

Equal Oportunity Lender logo

Apply Now

*Mortgage interest rate reduction is available for fixed and adjustable rate mortgages and applies to purchase and refinance transactions. For adjustable rate mortgages, the discount is applicable only for the initial rate period and the rate and payment may increase after the initial rate period. Available on primary residence and second homes only; 1 and 2 units only. Discount is not available on government loans, land loans, or investor loans. All loans are subject to approval. NMLS #530610
**Offer applies to any qualifying mortgage loans for the purpose of purchasing or refinancing a one-to-four family owner occupied property. No minimum loan amount. Apply May 1 – July 31, 2025 and close within 60 days to receive offer. Offer ends after July 31, 2025, or after 75 Lowe’s gift cards have been awarded; whichever occurs first. Property must be located in WA or OR. Limit one gift card per loan. Gift card will be delivered within 60 days of closing. Gift card is non-transferable and no cash or other substitutions permitted. Offer subject to change or cancellation without notice. The gift cards are subject to required IRS reporting. Recipient is responsible for any applicable taxes. Not valid on home equity loans, lines or credit, or land loans.

Personal Checking Monthly Fees
Northwest Checking	Free
Northwest Secure Checking	$4.00
Essential Checking (with eStatements)	$8.00
Essential Checking (if not signed up for eStatements)	$9.00

Related Checking Fees (personal or business)
Stop payment, per item, per range or sequence	$28.00
Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)	$28.00
Overdraft transfer fee, per occurrence	$3.00

Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP network ATM	$1.50
New card issuance and anniversary date thereafter	$10.00

Credit/Debit Cards
Copies of charge slips (per transaction)	$10.00
Replace card	$5.00
Emergency card issuance	$50.00

Wire Transfers
Direct wire transfers inside the USA	$25.00
Direct wire transfers outside the USA	$55.00

Home Loans

Open new doors.

Thinking about upgrading parts of your home?

Buy or Refinance a Home

First-Time Homebuyer Program

Apply for a First-Time Homebuyer Loan

Fixed Rate Home Loans

Apply for a Home Loan

Jumbo Mortgage Loans

Apply for a Jumbo Mortgage Loan

FHA Home Loans

VA Home Loans

Apply for a VA or FHA Loan

ITIN Home Loans

Apply for an ITIN Home Loan

ChoiceLine Home Equity Line of Credit

Get Help with Homebuying through BALANCE

Here's the Difference Between Home Equity and Refinance Loans

What is a Mortgage?

Miscellaneous
Membership fee	$10.00
Paper State service charge	$2.00/each
Closing checking or savings within 180 days of opening account	$15.00
Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)	$5.00 per month
Dormant account fee (no activity on any of your accounts for more than one year)	$5.00 per month
Single service fee (member only has savings account with less than $100 and is age 19 or older)	$5.00 per month
Undeliverable or incorrect statement address	$5.00
Foreign item fee	$25.00
Garnishment processing fee (per item)	$50.00
Research, copies, or account reconciliation, per half hour ($5 minimum)	$15.00
Returned checks on another person's account at another institution	$10.00
Returned checks on your account at another institution	$25.00
Phone loan payment using non-NWCU card	$10.00
Expedited title fee	$15.00
Cashier's checks (first check per day is free)	$2.00 per check
Declaration of loss (cashier's check)	$25.00
Check cashing (member only has savings account with less than $100 and is age 19 or older)	10% of check or $10 maximum
Skip payment request (via eBanking)	$30.00
Skip payment request (via branch)	$40.00