Home Loans

Young couple inside a house after purchasing first home

One-stop shop for mortgages

Whether you're hitting the housing market for the first time, hunting for your forever home, or anything in between, we’re here to help. 

  • Wide array of conventional and government programs, including FHA, VA, and USDA mortgages. 
  • Low rates and a range of terms. 
  • Knowledgeable team of loan officers with an average of 20 years' experience helping members find their way home.

Quick Mortgage Calculator

The principal payment on a home loan is just scratching the surface. Interest, taxes, and insurance are also factored into monthly payments. To see what your mortgage payment might look like, crunch some numbers with our handy quick calculator. 

Need more calculators?

  • Discover how much home you can afford. 
  • Determine what it would cost to refinance. 
  • Better to rent or buy? 

Glossary of mortgage terms

Let us help you make sense of all the home-buying jargon you’ll encounter.

 Our SELCO mortgage process was seamless. Erin went above and beyond to help us in this competitive market. I'll recommend her to everyone I know. 
— Susan B., SELCO member since 1992

Current Mortgage Rates

Product Type Rate APR
15 Year Fixed (Conforming) Rate4.500 % APR4.709 %
30 Year Fixed Conventional Rate5.500 % APR5.622 %
30 Year FHA Rate4.500 % APR5.595 %
30 Year VA Rate4.5 % APR4.777 %
30 Year USDA Rural Home Purchase Rate4.500 % APR5.010 %
30 Year Conventional Manufactured Home Rate5.875 % APR6.007 %
30 Year FHA Manufactured Home Rate4.625 % APR5.627 %
30 Year VA Manufactured Home Rate4.625 % APR4.905 %

Lowest annual percentage rates shown. APR is based on individual credit qualifications and may be higher.

15-year home loan payment example: On a loan for $275,000 at 4.332% APR for 180 months (15 years), borrower would make 180 payments of $2,080.

30-year home loan payment example: On a loan for $275,000 at 5.099% APR for 360 months (30 years), borrower would make 360 payments of $1,493.


New Homeowners Lying In The Grass

The 3 Signs You're Ready to Buy Your First Home

Have you been thinking about buying your first house? Buying a home can be a financially beneficial long-term decision. Here are 3 signs you're ready.

Couple meets with a real estate agent.

Is Now the Time to Refinance?

Interest rates won't remain this low forever, so now may be a great time to refinance the mortgage on your home.

Miniature house surrounded by money

Time to Refinance to a Shorter-Term Mortgage?

The primary attraction of a shorter mortgage term, like a 15-year or 20-year mortgage, is paying off your home loan sooner and building equity quicker while enjoying considerable savings.

An illustrated house filled with question marks on sticky notes.

Demystifying Mortgage Terms, Part II

Learn how to differentiate between common mortgage terms like PMI, escrow, conventional vs. FHA loans, and more.

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