The Mortgage Program for Costco 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.

Start here to see live rates

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?
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.
$ %
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.
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.
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.
"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.
More Options

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Costco Executive Members

could save an average of


over the typical life of the loan*

Executive Members

Lender fees


or less**

Gold Star Members

Lender fees


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!


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.

Penny Mac




Lender Info:
PennyMac Loan Services, LLC
6101 Condor Drive Suite 200
Moorpark, California 93021

Lender Message:
Who is PennyMac Loan Services, LLC?

As the #4 mortgage lender in the country, PennyMac is committed to providing its customers with superior service and competitive pricing for their purchase, refinance or cash-out borrowing needs. PennyMac helped 250,000 customers get a new loan last year, and services more than one million loans. The company offers a full menu of FHA, VA, and conventional loans to its customers. Being a direct mortgage lender with call centers in key geographical time zones means PennyMac can focus on serving customers seamlessly across the country. The company’s licensed loan officers are trained to help customers find the ideal loan for their situation and will work tirelessly to make it a reality.

NMLS #35953

Bank Of Internet USA




Lender Info:
Bank of Internet, USA
4350 La Jolla Village Dr. Suite 140
San Diego, California 92122

Lender Message:
FDIC insured and publicly traded (NASDAQ:BOFI), Bank of Internet USA, A division of BofI Federal Bank offers traditional mortgage services entirely over the Internet, without making you pay for the cost of a branch network.

With Bank of Internet you get the benefits of a reliable and stable national direct lender and experienced mortgage specialist dedicated to helping you find a solution that is right for you.

We respectfully invite you to inquire about your mortgage needs so that you can experience what sets us apart from our competition.

Headquartered in San Diego, California, BofI Federal Bank has been providing service to customers throughout the United States since 2000.

NMLS #524995

Home Bridge




Lender Info:
Life is Exciting. Let us help.

We want to be America’s Most Exciting Bank for our customers, which means we strive to work with great people, create a great culture, and strive to be the best home lending team available… one you can count on.

Our Culture

Berkshire Bank is a portfolio and direct lender without the need of outside warehouse line constraints. We believe that our “RIGHT” core values, Respect, Integrity, Guts, Having fun and Team work sets us apart.

This advantage, in combination with an experienced team of loan officers and operations personnel enables the process to be simplified for you.

Right Lending Products for Your Needs
We offer loan products available through Fannie/Freddie, Government Insured and State Programs in addition we also offer a suite of portfolio products through Berkshire Bank which we retain and service.

Berkshire Bank is an in-house Direct Endorsed Lender for FHA. We also offer VA, USDA, FHA Reverse, State Housing, Home Path, HARP and more. We feel our programs and pricing are highly competitive in the marketplace. Let us help you achieve your dreams and goals.

Berkshire Bank is an Equal Housing Lender. (NMLS# 506896)

First Choice




Lender Info:
First Choice Loan Services
One Tower Center, Floor #18
New Brunswick, New Jersey 08816

Lender Message:
Established as a boutique lender, First Choice Loan Services Inc., a Berkshire Bank Company is headquartered in East Brunswick, NJ. The company currently has locations in 6 states and is exempt, licensed to lend or registered as required in almost every state. Since formed in 2009, First Choice Loan Services Inc. has more than doubled in size, now having a team of close to 500 members and producing $2.4 billion annually.

First Choice Loan Services Inc. provides a wide range of mortgage products including FHA and VA loans, fixed and adjustable rate mortgages, refinancing options, Jumbo loans, and renovation mortgages. We are an approved Seller/Servicer for Fannie Mae and Freddie Mac and a HUD-approved lender.

Through clear communication and dedicated service, our experienced mortgage professionals along with our outstanding operations team offer knowledgeable support and provide a timely, efficient and excellent loan process for our customers and referrals partners. First Choice Loan Services Inc. is committed to providing customized mortgage options that best help our homebuyers meet their specific long-term financial goals.

First Choice Loan Services Inc. is an Equal Housing Lender.

NMLS # 210764

Cap West Mortgage




Lender Info:
CapWest Home Loans is a division of HomeBridge Financial Services, Inc., one of the nation’s largest independent residential retail lenders. We approve and close loans in-house which gives us greater control over your transaction and allows us the opportunity to fund loans other lenders might deny in today’s challenging regulatory market.

As an entrepreneurial company investing heavily in technology, we are growing at a time when other lenders are shrinking and closing.

We look forward to serving you!

NMLS #6521

National Bank





Lender Info:
10700 Nall Avenue
Overland Park, Kansas 66211

Lender Message:
NBKC Bank customers spark ideas. They give us feedback and help us create the kind of company that consistently provides an exceptional customer experience.

So, along with our competitive mortgage rates, our national ranking as a top mortgage lender* and the fact that we fund FHA, VA and conventional loans in all 50 states, we’re committed to providing an exceptional mortgage experience – every single time.

“Top 50” lender ranking by Mortgage Executive Magazine; Member FDIC Equal Housing Lender

NMLS #409631

JG Wentworth Home Lending




Lender Info:
J.G. Wentworth Home Lending, LLC
3350 Commission Court
Woodbridge, Virginia 22192

Lender Message:
J.G. Wentworth Home Lending, LLC, a residential mortgage banking company, offers options which help our customers to make informed decisions regarding home loans. Using a common sense approach, competitive rates and attention to customer service, J.G. Wentworth delivers a refreshing home loan experience.

NMLS #2925

eRates Mortgage





Lender Info:
eRates Mortgage
6230 Fairview Road, Suite 425
Charlotte, NC 28210

Lender Message:
eRates Mortgage is a direct lender that has been delivering superior rates and exceptional customer service for over 20 years. As an approved seller/servicer for Fannie Mae, Freddie Mac, and a HUD and VA approved lender, we have a wide array of products to suit your needs. We leverage our experienced mortgage team with today’s technology and pass our cost savings on to you the customer.
NMLS# 1071