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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.
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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.
Lender Fees $500 or less *
Lender Fees $650 or less *
Savings up to $4,900
over the typical life of the loan**
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All Mortgage Brokerage services 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 brokers and originates mortgage loans or lines of credit. Costco and its affiliates do not negotiate, arrange or make mortgage loans or
lines of credit. Licensed by the N.J. Department of Banking and Insurance.
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.
*Lender Fees include application, commitment, underwriting, processing fees or similar fees and DO NOT include 3rd party fees, such as title insurance, appraisal,
tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. All fees are clearly detailed in the
Good Faith Estimate.
** Disclaimer: the estimated savings is calculated over a 7 year period utilizing
the following loan scenario and include both interest and fees savings: home purchase
in the state of California with a LTV - 80, Loan Amount = $250,000, Single Family, Primary Residence,
FICO = 720, Term = 30 years as of 2/28/2014. Average savings of $4,910 as of 2/28/2014 is compared
to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc.
Individual savings may vary based on a credit score, LTV, location, and loan amount.
The rent vs. buy calculator does not include local property taxes or homeowners insurance or other potential property fees, e.g.
Mello Roos or Homeowners Association Fees.
*** Costco members who submit an online request and complete a mortgage application and execute their Intent to Proceed with a preferred lender between March 1 and March 31, 2015, and subsequently qualify for, close and fund either a purchase or refinance residential mortgage loan (Home Equity Loans are not eligible) through the mortgage service program will receive a $200 Reward Card from American Express. Eligible Costco member's reward card will be mailed to the address on file within 6 to 8 weeks following the completion and funding of the Costco member's loan. The American Express® Reward Card can be used at U.S. merchants that accept American Express® Cards. Subject to applicable law, funds expire on the date printed on the front of the Card. No ATM cash withdrawal. Some limitations apply, including restriction on use at cruise lines or for recurring billing. See Cardholder Agreement for complete details. Card cannot be redeemed for cash, except where required by law. This Card is issued pursuant to a loyalty, reward or other promotional program. Card is issued by American Express Prepaid Card Management Corporation. American Express is not the sponsor of this promotion.