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Buying or Refinancing?

Exclusive Benefits for Costco members

Manual Membership Selection
To access Costco member rates and discounts select one of the following:

Currently not a Costco member? Be sure to ask your Mortgage Consultant about becoming one. It is easy and enables you to receive Member Discounts.

Costco Executive Members

could save an average of
$7,109
over the typical life of the loan*

Executive Members

Lender fees
$350
or less*

Gold Star Members

Lender fees
$650
or less*

The 1st Time Home Buyer

Buying a home can be an exciting yet stressful experience. Even more so if you are a first time home buyer. Being prepared is one of the best things you can do to make sure you get the home of your dreams. At The Mortgage Program for Costco Members, we are here to help you achieve that dream. Here are some quick tips to buying your first home:

Couple in new home
  • Pre-Approval — Beginning the home shopping experience with a pre-approval from a lender helps your offer stand out and helps demonstrate you’re able to obtain the financing necessary to purchase a home. It also gives you the confidence of knowing how much you can afford and the conditions necessary to close the loan. Getting pre-approved requires you to provide documentation of your assets, debts and income so the lender can complete a review and ensure those factors, as well as the condition of your credit and employment status meet lending requirements. Once you have the pre-approval in hand you can focus on finding the right home.
  • Size and Layout — Many first time buyers can get caught up in the excitement of home buying and overlook aspects of the home that they end up regretting later. Make sure you know what you want, what you need, and what you can live with. Remember, you are going to be in that home for a long time.
  • Think of the neighborhood — Research and decide what will meet your needs. Where is the nearest shopping? How much traffic or noise is there? Is it a good place for kids? These are just some of the things you need to think about before purchasing a home. Think both short AND long term.
Why the Mortgage Program?

The Mortgage Program has established solid relationships with a select team of participating lenders that have committed to providing superior service, rates, fees, and exclusive benefits for Costco members. Finding the right loan may never been easier.

Members Are Talking
  • “Great service. They answered all our questions the next day or same day. They explained the loan process and made me feel comfortable about what I was doing while I was doing it. Excellent people.”

    - Jeffery C., Stratham, NH, 3/2019
  • “We couldn’t be happier with every aspect of The Mortgage Program for Costco Members. We encountered several roadblocks during the loan process. None of them were due to the lender. However, they worked with us to resolve each of them. We won’t hesitate to let our friends and family know to use this service.”

    - Diane M., LHC, AZ, 3/2019
  • “The process was so easy and I was always kept in the loop. Any and all questions were answered thoroughly, and the response time was usually the same day, if not within an hour. Highly recommend The Mortgage Program for Costco Members.”

    - Sally R., San Diego, CA 3/2019
  • “The Mortgage Program for Costco Members saved me a lot of money with no mortgage insurance. Amazing.”

    - Erick C., Phoenix, AZ, 3/2019
  • “Great experience all around. Every person I worked with was a clear communicator, moved their part quickly along, and worked hard to make my mortgage refinance go smoothly and quickly. Highly recommend.”

    - Melissa M., Olathe, KS, 2/2019
  • “Mortgage was quick, easy, and cheaper than the competition. Would definitely use again.”

    - Brian K., Sandy, UT, 3/2019
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