Phishing Alert: SELCO impersonators are calling about fraudulent transactions and requesting sensitive information. As a reminder, SELCO will never contact you requesting sensitive information, including login credentials. If you receive one of these messages, please delete it or hang up immediately.

Blue checking accounts icon

Home Loans

Whether you’re buying a new home, refinancing, or pulling equity from your existing home, our experienced loan experts can help find the right loan for your needs—and save you more on fees and closing costs so you're ready to tackle whatever comes next.

Purchase a Home Refinance a Home
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.
Purchase a Home
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. 
Learn More About HELOCs
Couple looking at new home to purchase

First-time home buyer

In the market for your first home? Let us help you navigate the homebuying process to help you confidently make the best decisions along the way. Get started by checking out our mortgage calculators and some common FAQs.

Learn More

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
Learn More About Refinancing
 Tim Booher is so easy to work with. He walked us through the entire process, explained every step and clearly told us what information was needed. I am happy to put my trust in a local credit union. 
— Karen B., SELCO member since 2017

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

Upgrades, renovations, and additions to your home 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.