This site is operated by First Choice Loan Services Inc., not by Costco. Use of this site (and any destination sites you reach through this site) is subject to the site's Terms of Use and Privacy Policy.

Buying or Refinancing?

Exclusive Benefits for Members
Manual Membership Selection
To access Costco member rates and discounts select one of the following:

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.

Costco Executive Members

could save an average of
$7,109
over the typical life of the loan*

Executive Members

Lender fees
$350
or less*

Gold Star Members

Lender fees
$650
or less*

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

  • “Great service. They answered all our questions the next day or same day. They explained the loan process and made me feel comfortable about what I was doing while I was doing it. Excellent people.”

    - Jeffery C., Stratham, NH, 3/2019

  • “We couldn’t be happier with every aspect of The Mortgage Program for Costco Members. We encountered several roadblocks during the loan process. None of them were due to the lender. However, they worked with us to resolve each of them. We won’t hesitate to let our friends and family know to use this service.”

    - Diane M., LHC, AZ, 3/2019

  • “The process was so easy and I was always kept in the loop. Any and all questions were answered thoroughly, and the response time was usually the same day, if not within an hour. Highly recommend The Mortgage Program for Costco Members.”

    - Sally R., San Diego, CA 3/2019

  • “The Mortgage Program for Costco Members saved me a lot of money with no mortgage insurance. Amazing.”

    - Erick C., Phoenix, AZ, 3/2019

  • “Great experience all around. Every person I worked with was a clear communicator, moved their part quickly along, and worked hard to make my mortgage refinance go smoothly and quickly. Highly recommend.”

    - Melissa M., Olathe, KS, 2/2019

  • “Mortgage was quick, easy, and cheaper than the competition. Would definitely use again.”

    - Brian K., Sandy, UT, 3/2019
123456

Individual results may vary.