Property Types

Floating Homes
Seattle Credit Union now offers financing options for the purchase or refinance of floating homes. Our loan programs offer competitive rates, low fees and no prepayment penalties.

In addition, Seattle Credit Union is a member of Seattle's Floating Home Association. Through this association we know and can share many of the resources available to help you learn more about this lifestyle and how to find and finance your new residence on the water. Learn more about the Floating Home Association at or call us for a list of resources.

If you are in the market to home on the water, contact Seattle Credit Union at 206.398.5888 to start your pre-approval or apply online. Once the process is underway, we can also provide a list of real estate professionals experienced in buying and selling floating residences.

Investment & Non-Owner Occupied Homes
Seattle Credit Union offers financing for 1 - 4 Family unit properties that are non-owner occupied.

  • Seattle Credit Union finances a maximum of 80% of the purchase price, in a purchase transaction, or 75% of appraised value, in a refinance transaction.
  • The payments can be amortized over 20 or 30 years.

Mobile & Manufactured Homes
Seattle Credit Union finances mobile homes as real estate loans using the value of the mobile home and land together.

  • It must be at least a double-wide home, newer than July 1, 1976, attached to owned property, and taxed as real property.
  • The mobile home title must be eliminated.
  • It cannot be in a park.

Second & Vacation Homes
Seattle Credit Union finances second homes and vacation homes for qualified borrowers. Seattle Credit Union does not offer loans for vacation timeshares.

Single Family Homes & 1-4 Family Unit Properties
Seattle Credit Union offers residential loan financing on these types of properties as either owner occupied or as non-owner occupied.

Undeveloped Land
Seattle Credit Union offers financing for the purchase or refinance of unimproved residential property (undeveloped or "raw" land).

  • The maximum term is 15 years.
  • Undeveloped Land loans are subject to applicable closing costs.

For more information, or to schedule an appointment, contact Seattle Credit Union's Mortgage Center at 206.398.5888 or

View Mortgage Rates

Apply online for a quick decision

When you are ready to apply for a home loan, you can do it online and get an answer fast, often within just a few hours. If you start the application and need to get more information to answer one of the questions, you can save the application and come back later to complete it.

Once you have completed the application and approval process, you have the option to go to any of our branch locations to sign your documents. We will bring your loan papers and a specially-trained lending professional to whichever location is most convenient for you and have you on your way as quickly as possible.

Apply Now

Have Questions? Let's Talk.

If you want to learn more about any of our products, services, or about becoming a Seattle Credit Union member, stop by a branch, give us a call at (206) 398-5500 or toll-free at (800) 334-2489, or simply enter your email address below and we’ll contact you.


What our members are saying:

Speech Bubble

"We have our closing this evening and I wanted to thank you for all the work you put into our multiple (and future) loans with you. It is such a pleasure to work with you on these. You understand all the issues, are very helpful, responsive, and you've given me a lot of confidence in having our mortgages with Seattle Credit Union. We are so grateful for your hard work, friendliness, and expertise."

- Joel

"I could not be more satisfied. Despite the length of time, my agent was continuously responsive and helpful at every step, often well after 5 PM. I always knew where we were in the process and what was coming next. They worked very hard to get the three refis correct and balanced them out so we were not out of pocket any money."

- Marco L.

"We really appreciated the great experience you provided for our mortgage loan. Your communications were timely. You led us through the process step by step. And you were so fast in getting the process completed! It was really refreshing to work with you."

- Chris