BECU Mortgage Rates and Calculator – Home Loans

BECU allows an individual to seek the mortgage rates for a home by entering their financial situation with the Loan Consultant Page. It provides a comprehensive breakdown of the applicant’s situation and suggests what might be the best option for obtaining a loan on a new home.

How to Find Rates

Step 1 – Go to Loan Consultant Page

Step 2 – Enter the following personal information;

Personal Loan Questions

  • Loan Purpose – Is it for a Purchase or a Refinance?
  • Click on Conventional (Not insured by the federal government) or FHA (Not insured by the Federal Housing Administration and requires as little of a downpayment as 3.5% but the purchase price is restricted)
  • Cost of New Home ($)
  • Down Payment
  • Closing Costs Paid by Seller
  • Your Credit; Select from;
    • Excellent
    • Good
    • Average
    • Below Average
    • Poor
    • Or type in your Credit Score Number
  • Answer the following question

Do you currently have a Home Equity Loan or Line of Credit that will remain or will you be obtaining one during this mortgage transaction?

Step 3 – Enter the following property information;

Property (Real Estate) Questions

  • Type of Property;
    • Single Family/Detached
    • Attached/Townhouse
    • Detached Condo
    • High-rise Condo (5 or more stories)
    • Land
    • Low-rise Condo (1 to 4 stories)
    • Manufactured Home (Double-wide)
    • Manufactured Home in a Condo
    • Manufactured Home Multi-wide
    • Manufactured Home Single-wide
    • Planned Unit Development
  • Property is for the following use;
    • My residence
    • Second (2nd) residence/vacation home
    • Investment home/rental property
  • Located in the Following State (Only the following qualify);
    • Arizona
    • California
    • Illinois
    • Kansas
    • Missouri
    • Oregon
    • Pennsylvania
    • Washington State
  • Select the County

Click on the Find Rates button on the bottom of the page and the rate will be shown on the next page.

BECU Mortgage Calculators

  • How Much Can You Afford Calculator

This is determined by the amount of income the person makes per year and how much they are willing to pay for the down-payment.

Home Affordability Calculator

  • How Much Income Do You Need to Make Calculator

Determines how much income the applicant needs to make in order to qualify for a home mortgage amount.

Income Needed to Purchase Calculator


  • Monthly Payment Calculator

Determines how much the monthly payment will be after inputting the new home price and the down-payment percentage (%).

Monthly Payment Calculator

  • Should I Rent or Buy Calculator

Calculates if the applicant should purchase the property or continue renting. The following must be entered

  • Current Rental Payment
  • Loan Payment
  • Loan Term
  • Interest rate (%)
  • Annual Property Taxes
  • Annual Homeowner’s Insurance
  • Income Tax Rate

Rent vs Purchase Calculator

  • Pre-Qualify Calculator

Input the applicant’s financial information in relation to the following variables;

  • Loan Product
  • Product Price
  • Down Payment
  • Monthly Income
  • Monthly Debt Payments
  • Balances on All Credit Cards
  • State the Property is Located

Prequalify Mortgage Calculator