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
Verifiy your data
Submitting to lenders. Please wait for confirmation.
This may take a few minutes. Do not navigate away from this page.
Final Step: REQUEST A QUOTE
Purchase a Home
The 1st Time Home Buyer
Buying a home can be an exciting yet stressful experience. Even more so if you are a first time home buyer. Being prepared is one of the best things you can do to make sure you get the home of your dreams. At the Mortgage Program for Costco members, we are here to help you achieve that dream. Here are some quick tips to buying your first home:
Pre-Approval – Beginning the home shopping experience with a pre-approval from a lender helps your offer stand out and helps demonstrate you’re able to obtain the financing necessary to purchase a home. It also gives you the confidence of knowing how much you can afford and the conditions necessary to close the loan. Getting pre-approved requires you to provide documentation of your assets, debts and income so the lender can complete a review and ensure those factors, as well as the condition of your credit and employment status meet lending requirements. Once you have the pre-approval in hand you can focus on finding the right home.
Size and Layout – Many first time buyers can get caught up in the excitement of home buying and overlook aspects of the home that they end up regretting later. Make sure you know what you want, what you need, and what can live with. Remember, you are going to be in that home for a long time.
Think of the neighborhood – Take a look around the neighborhood. How safe is it? How much traffic or noise is there? Is it a good place for kids? These are just some of the things you need to think about before purchasing a home. Think both short AND long term.
Why the Mortgage Program
The Mortgage Program has established solid relationships with a select team of preferred lenders that have committed to providing superior service, rates, and fees exclusively for Costco members. Finding the right loan may never been easier.
Members are talking
“This is the 2nd time I've used The Mortgage Program for Costco members to refi a house and would totally recommend it., Both experiences, provided unbeatable rates and quality customer service. I felt comfortable knowing that if I wasn't satisfied with the quality of customer service, I could easily reach back to the program for help.”
- SYLVIA W.,
“I researched The Mortgage Program for Costco Members along with other offerings. The process was fast and efficient without any hidden fees or other surprises. I will certainly use this process next time I need a mortgage.”
- Andy L.,
“Out of frustration, I googled to search for a lender, so I could buy my dream condo in Florida on the beach. The Mortgage Program for Costco members came up on my search. The lender they connected me with, was the best decision I made!!! What a great experience, they were so helpful.”
- Sherry R.,
“I got much better rates through The Mortgage Program for Costco Members than what I was getting outside of it. Most companies are online companies, but I didn't have any issues with them.”
- Paulina M.,
“Great experience and great pricing through the Mortgage Program for Costco Members. Plan to use in the future and recommend it to anyone.”
- Tyler C.,
Eagle Mountain, UT,
“I've used this program 6-7 times for new home purchases & refinances. Our mortgage consultant was incredible from first contact all the way through closing. Excellent communication throughout and very knowledgeable. Awesome support team as well. Make sure to ask for Doug Moore, he's been our advocate over the years.”
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.
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.
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.
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)
Lender Info: First Choice Loan Services One Tower Center, Floor #18 East 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.
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.
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.
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
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.
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