The Mortgage Program for Costco Members
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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 Compare 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?
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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.
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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.
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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.
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"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.
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More Options

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Final Step: REQUEST A QUOTE

Costco Executive Members

could save an average of

$7,707

over the typical life of the loan*

Executive Members

Lender fees

$350

or less**

Gold Star Members

Lender fees

$650

or less**

THINK COSTCO FIRST

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

  • “Previously, I worked with a company that took four months to refinance my home -the same amount of time it took to build the house from scratch! Then I remembered The Mortgage Program for Costco Members. I applied; my mortgage process began in mid-December and was completed in early January, even during major holidays! I couldn't be happier!”

    - Ellen J., North Las Vegas, NV, 06/2018

  • “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

Individual results may vary.

Penny Mac

pennymac

 

 

Lender Info:
PennyMac Loan Services, LLC
3043 Townsgate Rd, Suite 200
Westlake Village, CA 91361

Lender Message:
Who is PennyMac Loan Services, LLC?

As a top direct national mortgage lender, PennyMac is committed to providing its customers with a range of innovative solutions to help them purchase, refinance or simply remain in their homes. Whether they’re first-time buyers who are new to the loan process or someone who is specifically seeking a competitive Conventional, FHA or VA loan, PennyMac is dedicated to offering great rates and unparalleled service.

Being an online mortgage lender means that PennyMac can focus on the needs of its customers rather than maintaining a network of branches and banking products. The company’s licensed loan officers undergo extensive education, testing and training to help customers through the origination process every step of the way.

Since being founded in 2008 by a team of mortgage industry veterans, PennyMac has sought to restore Americans’ trust in home ownership by improving the quality and consistency of the mortgage experience. To date, the company has serviced more than a million loans.

NMLS #35953

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Bank Of Internet USA

bankinternet

 

 

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

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Home Bridge

homebridge

 

 

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)

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First Choice

firstchoice

 

 

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

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Cap West Mortgage

cap-west

 

 


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

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ConsumerDirect Mortgages

wyndham

 

 

Lender Info:
ConsumerDirect Mortgage, A Division of FirstBank (NYSE: FBK), is a national direct to consumer mortgage lender specializing in low cost online mortgage lending. We are FDIC insured, direct Fannie Mae and Freddie Mac Seller Servicers and HUD Approved Direct Lenders. Our promise is to offer our customers the lowest total cost loan package possible on Conventional, FHA, VA and Jumbo purchase and refinance transactions, while retaining superior service and response times.

ConsumerDirect Mortgage, A Division of FirstBank is an Equal Housing Lender.

NMLS #790396

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National Bank

NBKC Bank

 

 

 

Lender Info:
NBKC Bank
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

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JG Wentworth Home Lending

jgw_logo

 

 

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

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

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eRates Mortgage

eRates

 

 

 

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

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