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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".
The total amount of credit you want to be approved for in a home equity loan.
A Point is a percentage of your loan amount (ex: 1 point = 1% of your loan amount) paid to the lender upfront to lower your interest rate. Typically, 1 point (or 1%) will buy the rate down .25%. Incrementally enter points to see how it impacts your rate. Generally, the longer you plan on keeping your loan, the more attractive points can become.
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 that “qualified” credit score will be used to create your qualified offer.
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First Choice Loan Services Inc. is the provider of Mortgage Services. Preferred Lenders have committed to providing superior service and exclusive rates and fees for Costco Members.
Lender Fees $500 or less *
Lender Fees $650 or less *
Savings up to $4,900 over the typical life of the loan**
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All Mortgage Brokerage services provided by First Choice Loan Services Inc., a New Jersey state-chartered bank, which is registered or exempt from state licensing in the states in which it brokers and originates mortgage loans or lines of credit. Costco and its affiliates do not negotiate, arrange or make mortgage loans or lines of credit. Licensed by the N.J. Department of Banking and Insurance.
Individual results may vary. Rates and results are provided by participating lenders in the First Choice Mortgage Services 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 changes. 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 Good Faith Estimate.
** Disclaimer: the estimated savings is caluculated over a 7 year period utilizing the following loan scenario and include both interest and fees savings: home purchase in the state of California with a LTV - 80, Loan Amount = $250,000, Single Family, Primary Residence, FICO = 720, Term = 30 years as of 2/28/2014. Average savings of $4,910 as of 2/28/2014 is compared to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc. Individual savings may vary based on a credit score, LTV, location, and loan amount. The rent vs. buy calculator does not include local property taxes or homeowners insurance or other potential property fees, e.g. Mello Roos or Homeowners Association Fees.
