1. Home Loans
  2. Path To Ownership Mortgages

Path To Ownership Mortgages

Mortgages for All

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Accessible Home Buying

Seattle Credit Union is committed to everyone in our community having access to quality financial products, including mortgages. Our Path To Ownership Program allows members to enjoy the homeownership dream.

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95% Loan-to-Value

Buy the house you want with a reasonable down payment amount.

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No PMI Insurance

You don’t have to pay any Private Mortgage Insurance (PMI) premiums.

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Educational Classes

We offer home buying education classes in both English and Spanish.

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Purchase or Refinance Options

Both purchase and refinance options are available.

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Flexible Rates

Choose from 30-year fixed and adjustable-rate options.

We Welcome You

This program allows members with ITINs, who have lived and worked in the community for a minimum of two years, to realize the homeownership dream.

We offer:

  • Purchase and refinance options
  • Financing options for owner-occupied properties, second homes, and investment properties
  • Up to four applicants per transaction
  • Manual underwriting done locally by mortgage professional
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Borrower Eligibility Requirements

  • At least one borrower must have a valid ITIN number, and must have had it for at least two years
  • Two forms of ID are required, including an ITIN card and one of the following:
    • Government-issued photo ID
    • State ID
    • Passport
    • Visa
    • Matricula Consular/Government Mexican ID card
  • Credit Score of 620 or above, with a minimum of two open trade lines. We may consider non-traditional credit on a limited case-by case basis
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Get Started Today

Start your application online or let us know how we can help you.

Apply Online
Start application
Schedule A Consultation
Let’s Explore Your Options
Call Us
Call 206-398-5888

Path to Ownership Rates

See all rates.

Path to Ownership

All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, credit score, purpose and loan to value and lending source. Contact a member of our mortgage home loan team for the most up-to-date rates with specific loan quote details APR=Annual Percentage Rate

Question About Home Loans?

Whether you’re buying your first home or refinancing the one you love, we’re here to help you put down roots. Share your info below and we’ll be in touch to answer any questions you may have. Please do not include any sensitive information, such as member numbers, account information, or Social Security numbers.