The Mortgage Program for Costco Members

Manual Membership Selection

To access Costco member rates and discounts select one of the following:

Executive Non-Executive Non-Member

Currently not a Costco member? Be sure to ask your Mortgage Consultant about becoming one. It is easy and enables you to receive Member Discounts.

Start Here to Compare Rates

Select a Loan Purpose

Costco Membership

Your membership # can be found here:

If your Costco membership number starts with 7111, please enter only the last 12 digits. Please note: Membership numbers start with a "1", "3" or "8".

Forgot # or non-member?

First Name

Last Name

Phone

Zip Code

Property Value $

Down Payment

The down payment is your out-of-pocket contribution toward the home purchase. The larger your down payment, the greater your chance of being approved for your mortgage, and the lower your mortgage rate is likely to be.

$ %

Current Mortgage Balance

Your loan balance is the amount you owe on your mortgage. It may also be called your mortgage payoff amount. You may estimate this amount, or you can get the exact number by calling your lender.

Loan Amount $

Estimated Credit Score

The Credit Range that you select can directly affect the rate(s) that are offered. A higher credit score can lower your qualifying rate. Your actual credit score will be validated by the Mortgage Loan Provider(s) that you select to work with and the "qualified" credit score will be used to create your qualified offer.

Initial Draw

The dollar amount you wish to receive upon the closing and funding of your home equity loan. You are not required to withdraw any amount.

Additional Cash Out

"Cash out" refers to the difference between the payoff amount of the loan being refinanced and the balance of the new loan which is paid to the borrower.

Occupancy

Property Type

Eligible for VA loans?

First Time Homebuyer

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Final Step: REQUEST A QUOTE

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Available mortgage programs:

Purchasing a Home

Purchasing a home has never been easier, faster or more exciting than it is for Costco members. Enjoy premium service and low fees when you take out a mortgage that is designed with you in mind. Get more information today!

Refinancing

Get your mortgage to work in your favor and take advantage of the benefits your Costco membership affords. You could save thousands of dollars over the life of your mortgage and enjoy financial freedom more quickly by refinancing at a lower rate with low fees, and a high rate of satisfaction. Get rates now!

Veteran Loans

For Costco members who qualify, a VA loan offers no down payments, competitive interest rates, no mortgage insurance premiums and other benefits (a funding fee may be required). If you presently serve or have served in the U.S. military, contact us for more information.

Members are talking

“I experienced very quick responses to all of my questions and received accurate and helpful information throughout the refinance process.”

- Monique E., SAN MARCOS, CA, 07/2017

“Our experience was delightful. They were pleasant, responsive, and always prompt. I feel like the process went smoothly and we were pleased with the outcome.”

- Jill M., SALEM, OR, 06/2017

“Thanks for all your help, very smooth process!”

- Keith N., Belgrade, MT, 05/2015

“I just wanted to let you know that it was a pleasure doing business with you. You answered all of our questions and concerns promptly and professionally. This loan is the most pleasant we have experienced. I attribute that to dealing with such a proficient and capable consultant. Thank you for everything.”

- Teresa R., Lawrence, MA, 03/2015

“I am extremely pleased with everyone that I spoke with during the process of refinancing my home. Everyone cared about me as a customer and they were there to help me! It was wonderful, I felt like a person and not just another file on a desk.”

- Kenny L., Dallas, TX, 02/2015

“We would like to thank you for helping us in securing a loan to refinance our house. You have been tremendously helpful and patient in the entire process. We hope to use CapWest Mortgage in the future especially because of the excellent customer service provided by you.
THANK YOU!!!”

- Samir V., Boston, MA, 02/2015

Individual results may vary.

General Program Disclosures

General Program Disclosures: Mortgage lead generation, and/or originations are provided by or through Berkshire Bank (NMLS# 506896) and its wholly owned subsidiary First Choice Loan Services Inc. (NMLS #210764), located at One Tower Center, Floor #18, East Brunswick, NJ 08816. Berkshire Bank and First Choice Loan Services Inc. are licensed, registered, or exempt from state licensing in the states in which they originate mortgage loans or lines of credit. First Choice Loan Services Inc. is licensed by the N.J. Department of Banking and Insurance, and licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. AZ BK #0918586. Loans in AR, NY, and PR are originated by Berkshire Bank. Berkshire Bank is an FDIC insured Massachusetts chartered bank. Berkshire Hills Bancorp (NYSE: BHLB) is the parent of Berkshire Bank. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located in California. Costco and its affiliates do not take loan applications, offer, negotiate, arrange or make mortgage loans or lines of credit. Costco does not guarantee products or services offered by First Choice Loan Services Inc. Costco is not affiliated with First Choice or any participating lender. Costco does not endorse and is not responsible for any of the activities of First Choice or any of the participating lenders.

About This Site

This website has been created and is maintained by Affinity Partnerships, LLC. (866.604.1460 or affinitypartnerships.com) under the direction and in agreement with First Choice Loan Services Inc. (NMLS #210764) and is solely responsible for its content. Affinity Partnerships, LLC is not a lender and the published results are not an offer or a loan commitment. Nothing contained herein shall be construed as legal or financial advice and we recommend you consult a qualified and licensed attorney or financial advisor as appropriate, prior to making any final decisions.

Rates and results are provided by participating lenders in the First Choice Mortgage Program. The information entered by Costco members will only be shared with the lenders you request a quote from. The live rate quotes presented are offers from the lenders which reflect current market charges and rates. By clicking the “See Results” button, you will always see the most up-to-date rates available. Lender Fees include application, commitment, underwriting, processing fees or similar fees and DO NOT include 3rd party fees, such as title insurance, appraisal, tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. All fees are clearly detailed in the Loan Estimate.

All The Fine Print

*Disclaimer: The estimated savings statement is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings: home purchase in the state of California with a Loan-To-Value of 80%, Loan Amount= $250,000, Single Family, Primary Residence, FICO= 720, Term= 30yr as of 8/15/2017. Average Executive Membership level savings is $7,707, which includes the lender fees savings as of 8/15/2017, as compared to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc. Individual savings may vary based on credit score, Loan-To-Value, location, Costco membership level, and loan amount, and is subject to loan requirements underwriting and approval. Marketing Approval Date 11/1/2017.

**Lender Fees include application, commitment, underwriting, processing fees or similar fees and DO NOT include 3rd party fees, such as title insurance, appraisal, tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. All fees are clearly detailed in the Loan Estimate.

Mortgage Program

Manual Membership Selection

Start Here to Compare Rates

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Final Step: REQUEST A QUOTE

Costco Executive Members

Executive Members

Gold Star Members

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