Becu Home Loan And Mortgage Rates Calculator


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;



  • 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 – Abswer the following questions: 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;

  • 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
  • Credit Rating – Latest that you are aware


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.



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


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


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.

Pre-Qualify Calculator



  • Loan Product
  • Product Price
  • Down Payment
  • Monthly Income
  • Monthly Debt Payments
  • Interest Rate (as a percentage)
  • Balances on All Credit Cards
  • State the Property is Located
  • Your State & Federal Tax Rates (if any)