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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.
could save an average of $6,420
over the typical life of the loan.*
Lender Fees $500
or less **
Lender Fees $650
or less **
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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.
*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- 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 as of 3/17/2015 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, Loan To Value, location, Costco Membership level, and loan amount and are subject to loan requirements and approval. 3/17/2015
**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.