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";s:4:"text";s:10552:"Reach out today using the form below or calling us at 206.398.5888 and we can go through a few introductory questions to better understand what you’re looking for. Despite the length of time, my agent was continuously responsive and helpful at every step, often well after 5 PM. Heather knows that her work isn’t just about moving money around – it’s about helping members achieve the unique milestones that will impact their lives for years. Because we’re local and committed to making everyone in Seattle prosper—no matter who they are and where they moved here from—we can adapt to the local market better than anyone. You led us through the process step by step. Some can have a fixed interest rate for a specified number of years at the beginning of the loan and then change annually after that. 206.398.5500 Good for: first-time home buyers and others who may need the flexibility of a low-down-payment loan program. This boom has resulted in home prices increasing more than 17% in the last year, according to Zillow1. And while she may not spend her days in a classroom, she relishes the opportunity to teach members about their financial situation and the products and services that will help them meet their financial goals. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. All Veridian mortgages have no origination fee. The first members of Seattle Credit Union pooled their own resources because they couldn’t get the help they needed from commercial banks. Mon - Fri: 8am - 6pm Mon - Fri: 8am - 6pm Doesn't offer home equity loans or lines of credit. Just fill out your info below and we'll contact you and help answer any questions you may have. Average interest rates and fees are higher than other lenders. Refer a friend to Seattle Credit Union, and you both get $25*. Best for renovation and construction loans, Best for military members and their families, Best for borrowers with past credit issues. Good for: first-time home buyers, veterans and those who may have credit challenges to overcome. Matt is a transplant, originally from Charleston, South Carolina. Want to join them and become an Emerald City homeowner? They have many years’ worth of experience matching people to their dream of home ownership. People from all over the world are rushing in to find their piece of Seattle and share in the beauty, splendor, and opportunity that is unlike so much of the country and the world. She’ll help you catch your own whale. Mortgages can be used to purchase homes and property, to refinance an existing home loan, and in some cases to provide cash or pay off other debt. Generally offers good rates and charges reasonable fees. Most ARMs are subject to change only once per year. NerdWallet strives to keep its information accurate and up to date. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Want to start talking? If the current value of your home has increased, it may make sense to refinance at a better rate or refinance to consolidate debt or plan a home improvement project. This may influence which products we write about and where and how the product appears on a page. This is a great option when rising prices have made it difficult to save what other lenders require to qualify for a mortgage. Find a banking partner that will work as hard as you do. If you’re in the market for a mortgage, give Chelise a call at 206.402.1236 or send a message to the team using the form below. Visit the credit union's website for the very latest rate offerings in Seattle, Washington and loan terms for any of the above credit unions. Act requires all Mortgage Lending Officers (MLOs) to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Remember that your credit score will significantly affect the rate you are offered. Seattle rents were up 3.3%5 from June 2018 to June 2019. Provides mortgage lending customer service only Monday through Friday. You’re closer to home ownership than you might think. Green building is a design and construction practice that promotes the economic well being of the family, community, and environment. Offers custom fixed-rate loan terms that are between eight and 30 years. I could not be more satisfied. When you are ready to apply for a home loan, you can do it online and get an answer fast, often within just a few hours. 1Home value research from Zillow on 5/17/2018. Apply with little to no money down with our innovative home loan programs. 1 Source: Northwest Multiple Listing Service. It was practice, but he still stopped the shots.). Offers down payment and closing cost assistance programs. Sat: 10am - 2pm, © 2020 Seattle Credit Union. That’s straight out of the credit union philosophy of doing the right thing for members. 206.398.5500 Apply with little to no money down with our innovative home loan programs. When shopping for your mortgage lender, be sure to ask any potential lender what fees will be incurred throughout the process, so you can budget accordingly and properly compare lenders. All Rights Reserved.Routing Number: 325081500 | NMLS #464295, Business Checking, Savings, & Money Market Rates. That’s for the good of both the mortgage provider and the homebuyer. Washington State Employees Credit Union (WESCU), A Better Way to Bank? Call our mortgage experts at 206.398.5888 or contact us using the form below. Because the market is hopping. This is what our friendly mortgage experts do for our members every single day. Participates in some state down payment assistance and first-time homebuyer programs. Rating Summary. A favorite recent call came from retirees who were excited about seeing whales from the deck of their retirement home. Her travels have brought her to Disneyland and Disneyworld – she says, “I turn into a little kid at those places” (which might have to do with how much time she spends with her young nieces and nephews). He focuses on making sure that his customers get the right mortgage decision, which Matt says is just as important as a fast mortgage decision. Higher home prices require a different kind of loan than conventional borrowers need. Just fill out your info below and we'll contact you and help answer any questions you may have. All financial products, shopping products and services are presented without warranty. Compare local Mortgage Loan Interest Rates from Seattle credit unions. An independent mortgage company headquartered in Bellevue, Washington. Good for borrowers who want access to a wide variety of mortgages and the convenience of a comprehensive mobile application process. All Rights Reserved.Routing Number: 325081500 | NMLS #464295, US Dept of Housing and Urban Development (FHA), Seattle/King County Association of Realtors, Washington State Housing Finance Commission, Discounts on Homeowners Insurance from Travelers, On-page - Home Purchase Loan Lead Capture Form. That’s a lot of years looking at detailed paperwork, learning the tricks that help get the best mortgage possible for the Seattle Credit Union members with whom she works. Good for: Military members and their families looking for low-down-payment mortgages. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO. To do that, your lender will collect a certain amount above your designated monthly principal and interest payments and hold it in an account, called an escrow account or an impound account. Rainier, plenty of coffee shops and ample job opportunities. If you’re in the market for a mortgage but might need someone who knows all the options and can see solutions that someone else might not be able to, reach out to Jen and her team at the form below. We researched Seattle's best mortgage companies so you can compare loan options, mortgage rates and more. Good for: borrowers looking for just about all of the services your neighborhood lender does — with online convenience. Reach out using the form below, or give us a call at 206.398.5888. In the form of volunteer hours, sponsorships, and educational workshops we continue to put in the work for a brighter tomorrow alongside amazing partners like El Centro de la Raza, Entre Hermano, Wellspring Family Services, and YouthCare. Your loan documentation will specify how often your rate can change as well as the minimum and the maximum amount it can change each period and how much it can change over the life of the loan. Does not charge origination fees on conventional mortgage loans. We offer both fixed-rate and adjustable-rate Jumbo Loans with terms to fit your budget. In fact, we’ve written a free guide to help you navigate your way to getting your dream home. Some companies may offer lower rates or many different loan options, while others may have more affordable fees or specialize in certain mortgage types. You just need to find a lender who can help you work around the median King County home price of $670,0001 (As reported for August 2019 in the Seattle Times.) When evaluating offers, please review the financial institution’s Terms and Conditions. Our opinions are our own. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Allows electronic submission and tracking of loan documents. Has a program that reimburses the down payment amount if the property is sold at loss in the future. I always knew where we were in the process and what was coming next. For example a 3/1 ARM has a fixed rate for the first three years of the loan and then can change once a year after that. Seattle is a city with plenty of job opportunities and a 3.6% unemployment rate3 (lower in all King County) that’s falling4. Call our mortgage experts at 206.398.5888 or … ^ ARM rates are calculated by adding a margin, 2.75%, to an index, the 1-year LIBOR rate. Tax returns or other proof of income, including documentation of any supplemental income you receive from sources other than your primary employment, such as rental or investment income. Rates listed reflect the most recently reported rate information provided to the NCUA by credit unions as of December 2015, unless an effective date appears next to the rate. ";s:7:"keyword";s:35:"seattle credit union mortgage rates";s:5:"links";s:630:"1975 Boston Red Sox Roster, Michael Browne Football, Globe Theatre Video, The Blue Danube Waltz, My Rbh, Vicariously Meaning, ";s:7:"expired";i:-1;}