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Purchase a Home

Couple hugging with keys to new home in hand

House hunting? Take your rate along.

Our Lock & Shop program lets you lock in a discounted mortgage rate for up to 90 days while you find your perfect home.

  • Discounted rates
  • 90-day rate lock
Young couple moving into new home

We’ll save you more

Whether it's your first home, forever home, or something in between, our experts can help. We offer low rates, fewer fees, and faster service on conventional, FHA, VA, and USDA mortgages. 

  • Find the best possible rate.
  • Save on closing costs.
  • No origination, processing, or credit report fees.
 SELCO is a member-friendly credit union, and the staff are personable and helpful. Working with Tim Booher in SELCO Mortgage for our home loan—the second home we financed with Tim’s help—has been a real pleasure. Tim takes care of all the details, is very thorough, and communicates on a regular basis. 
— Eileen F., SELCO member since 2019
Man does research on his computer.

We'll help crunch the numbers

Not sure how much home you can comfortably afford? Let our loan officers help break down the costs across different loan terms so you know all your options.

Current Mortgage Rates

Product Type Rate APR
15 Year Fixed (Conforming) Rate5.875 % APR6.156 %
30 Year Fixed Conventional Rate6.500 % APR6.667 %
30 Year FHA Rate5.990 % APR6.850 %
30 Year VA Rate5.990 % APR6.331 %
30 Year USDA Rural Home Purchase Rate7.125 % APR7.587 %
30 Year Conventional Manufactured Home (no homes on rented land) Rate7.00 % APR7.159 %
30 Year FHA Manufactured Home (no homes on rented land) Rate6.250 % APR7.166 %
30 Year VA Manufactured Home (no homes on rented land) Rate6.375 % APR6.705 %

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 $400,000 at 7.315% APR for 180 months (15 years), borrower would make 180 payments of $3,595.

30 year home loan payment example: On a loan for $400,000 at 7.448% APR for 360 months (30 years), borrower would make 360 payments of $2,728.


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.

A house surrounded by blocks with question marks on them.

Demystifying Mortgage Terms, Part I

The financial industry is full of confusing terms. If you’re buying a home for the first time, a lot of terms will be thrown at you. Familiarizing yourself with them now will save you some head-scratching later.

Two hands going through papers in a filing cabinet.

Organizing Your Household Finances

Learn how an organizing system for your financials can make all the difference. Whether it’s in a bulky metal filing cabinet or secure folders on your computer, the first thing to do is build a system.

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.