Chat With Us

The North Branch (Credit Union Service Center - 1212 W. Francis) will be closed on December 31st and January 1st and will reopen January 2nd as Canopy Credit Union. We're excited to grow with you!
Contact us »

home loans

we know it's what's behind the door that matters most.

Our Real Estate Officers are excited to work with you!

Call 509.328.2900 to learn more and speak to Renée, Leah, or Jessica.

apply now  check out our rates

Buying a home is one of the most significant purchases most of us ever make. We are here for you with a convenient and timely loan process to help you feel confident and informed the entire journey.

We have several options to help you out with real estate-related loans, including:

  • Home purchase
  • Home refinance
  • First and second mortgages on your primary residence
  • First mortgage on a non-residence
  • First mortgage on undeveloped land
  • Home improvements
  • 30-year home mortgages through Servion

If you have questions about how this works, contact a loan officer today.

contact a loan officer today

Refinance your home

You've had your house for a bit and notice home loan rates are lowering - could it be time to refinance?

Tips to know when to Refinance:

  • When you can secure a lower interest rate, especially if your rate is going to drop by 0.75% or more.
  • When you are able to shorten the term of your loan, especially by 5 years or more, which will lower the total interest you repay.
  • When it allows you to switch from an adjustable-rate mortgage (or ARM) to a fixed-rate mortgage to lock in a consistent payment and rate.
  • When you need to tap into your equity to consolidate other more expensive debt such as credit cards or personal loans.

refinance your home today

30-year home loans

You put a lot of thought into buying a house that you will be happy with for years to come. Our goal is to make sure you feel just as good with your mortgage decision, too. You can have the best of both worlds! Please complete our pre-application to get started.  

fill out our pre-application

15-year home loans

Don't want a 30-year commitment? Check out our 15-year home loan option! We'll make the loan process easy so you can get to enjoying your new home. 

apply now   check out our rates

mortgage & home equity loans

As the real estate market ebbs and flows, you might want to check up on your home's value to see if you've accrued equity. Utilizing that equity allows you to do things like create your own personal outdoor oasis, remodel your kitchen or perhaps pay off some nagging bills.

Let's make your dream home come true. Apply for a loan with us today!

apply now

home equity line of credit

Lower rates, higher credit limit, endless possibilities! Apply for a Home Equity Line of Credit and utilize your home equity whenever and however you need it. You can access your Home Equity Line of Credit at any of our branches, over the phone, in home banking, and through EDNA. We're here to help! Apply online today.

apply now


This Home Buyer Guide provides you with helpful information to simplify the mortgage process and help you achieve your personal and financial goals. Click the image above to view the guide!



stay connected

More than just your credit union, we're part of your community.
Let us help connect you with your community.