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Your membership # can be found here:
If your Costco membership number starts with 7111, please enter only the last 12
digits. Please note: Membership numbers start with a "1", "3" or "8".
The total amount of credit you want to be approved for in a home equity loan.
A Point is a percentage of your loan amount (ex: 1 point = 1% of your loan amount)
paid to the lender upfront to lower your interest rate. Typically, 1 point (or 1%)
will buy the rate down .25%. Incrementally enter points to see how it impacts your
rate. Generally, the longer you plan on keeping your loan, the more attractive points
The Credit Range that you select can directly affect the Rate(s) that are offered.
A higher credit score can lower your qualifying rate. Your actual credit score will
be validated by the Mortgage Loan Provider(s) that you select to work with and that
“qualified” credit score will be used to create your qualified offer.
We need a little more infomation
Lender Fees for Executive Members are capped at $400 (normally $500)
Lender Fees for GoldStar and Business Members are capped at $550 (normally $650)
First Choice Loan Services Inc. is the provider of Mortgage Services. Preferred
Lenders have committed to providing superior service and exclusive rates and fees
for Costco Members.
could save an average of $6,420
over the typical life of the loan.*
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All Mortgage Origination services are provided by First Choice Loan Services Inc.,
a New Jersey state-chartered bank, which is registered or exempt from state licensing
in the states in which it originates mortgage loans or lines of credit. Licensed
by the N.J. Department of Banking and Insurance. AZ BK #0918586. Costco and its
affiliates do not negotiate, arrange or make mortgage loans or lines of credit.
Individual results may vary. Rates and results are provided by participating lenders in the First Choice Mortgage Services program. The information entered by Costco members will only be shared with the lenders you request a quote from. The live rate quotes presented are offers from the lenders which reflect current market changes. By clicking the "See Results" button, you will always see the most up-to-date rates available.
*Disclaimer: The estimated savings statement is calculated over a 7 year period
utilizing the following loan scenario and includes both interest and fees savings:
home purchase in the State of California with a Loan-To-Value of 80%, Loan Amount =
$250,000, Single Family, Primary Residence, FICO = 720, Term = 30yr as of 3/17/2015.
Average Executive Membership level savings is $6420, which includes the lender fees
savings as of 3/17/2015, as compared to an average of national mortgage lenders
in a comparative study conducted by Informa Research Services Inc. Individual savings
may vary based on credit score, Loan-To-Value, location, Costco Membership level,
and loan amount, and are subject to loan requirements and approval. 6/15/2015
**Mortgage Services provided and operated by First Choice Loan Services Inc. (NMLS# 210764), One Tower Center, Floor 18, East Brunswick, NJ 08816,; First Choice Loan Services Inc. is licensed, registered, or exempt from state licensing in the states it originates mortgage loans. Costco and affiliates do not negotiate, arrange or make mortgage loans or lines of credit. First Choice Loan Services Inc. is not an agency of the federal government or HUD/FHA. First Choice Loan Services Inc. has no affiliation with First Choice Bank, chartered and located in California. Licensed by the N.J. Department of Banking and Insurance. AZ BK# 0918586 Current Costco members who submit an online request and complete a mortgage application and execute an Intent to proceed between October 1 and October 25, 2015, and subsequently, qualify for, close and fund a purchase or refinance residential mortgage loan (Home Equity Loans are not eligible) with the lender the application was made will receive reduced lender fees of $400 for Executive Members and $550 for Gold Star and Business Members. Lender Fees include application, commitment, underwriting, processing fees or similar fees and DO NOT include 3rd party fees; e.g. title insurance, appraisal, tax service, escrow and other such fees which are passed directly through to the borrower.