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All SELCO branches will be closed Monday, May 27, in observance of Memorial Day. Account access will still be available through digital banking at selco.org/digital-banking.

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.

Ready to refi?

Whether it’s to pay off your home faster, consolidate high-interest debt, or lower your monthly payments, our experienced loan experts can help you:

  • Find the right loan for your goals
  • Get the best rate possible
  • Save on fees
Couple reviewing plans for home renovation

HELOCs to meet many needs

Put your home’s equity to work with a Home Equity Line of Credit.

  • Help pay for home renovations, education, or medical expenses.
  • Consolidate higher-interest debt. 
  • Borrow only what you need with a Home Equity Visaimagenyw3i.png card and/or checks. 
 I have used SELCO for buying two properties, and both experiences have been top-notch. I will use SELCO if I buy again. Keep up the great work and helpful culture. 
— Mary K., SELCO member since 2020

Resources

A couple and their realtor standing in an empty house.

First-Time Home Buyer? Get to Know Homeowners Insurance

Once you buy your new home, it's time to get to know the ins and outs of homeowners insurance to protect your investment.

Couple standing in front of house

Homeowners Can Put Equity to Work with a HELOC

While upgrades, renovations, and additions often help maintain or even boost a home’s value, these undertakings can be costly. Thankfully, homeowners have an effective tool at their disposal—their home’s equity.

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.

People wearing Christmas socks place their feet near a chimney.

Buying a Home During Winter

Winter may not be the prime season for buying a home. But there are some surprising benefits of finding your dream home in the coldest months.