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Home Loans

Whether you’re buying a new home, refinancing, or pulling equity from your existing home, our experienced loan experts can help find the right loan for your needs—and save you more on fees and closing costs so you're ready to tackle whatever comes next.

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Explore Mortgage Loan Options

Lock in your rate with a preapproval

Get a Home Equity Line of Credit

Convert your home's equity into credit

Refinance Your Existing Home

Get a better rate and term

Contact a Loan Officer

Talk with a Loan Officer today

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Home loans backed by local mortgage experts

Experience matters, and our Loan Officers have an average of 20 years in the business helping members find just the right mortgage. In addition to mortgage expertise, SELCO offers:

  • A variety of mortgage programs, including conventional, FHA, VA, and USDA loans.
  • Competitive rates and loan terms designed to support your financial goals.
  • Fewer fees and lower closing costs so more of your money goes toward your home.
Schedule an Appointment
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Tap into a Home Equity Line of Credit (HELOC)

Get flexible access to funds with a Home Equity Line of Credit (HELOC), whether you're renovating your home, consolidating debt, or covering significant expenses.

Learn More About HELOCs View Current HELOC Rates

 

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First-time home buyer resources

Ready to buy your first home? We can help you navigate the homebuying process and find the right loan for your budget and goals. Learn about mortgage pre-approval, down payment requirements, closing costs, homeowners insurance, and financing programs, including FHA, VA, USDA, and conventional loans.

Explore Homebuying Resources
 I had an amazing experience! Kari Rodman was with me every step of the way, and was on top of things and very good at explaining different mortgage types and what I qualified for. I would love to work with SELCO again! I have nothing but good things to say about SELCO! 
— Kate K., new SELCO member in 2026

Resources

First-Time Homebuyer? Get to Know Homeowners Insurance

Once you buy your new home, it's time to get to know the ins and outs of homeowners insurance to protect your investment.

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Understanding VA Loans

Understand VA loans, including eligibility requirements, zero down payment options, and benefits available to qualifying veterans and service members.

What You Need to Know About Earthquake Insurance

Learn what earthquake insurance covers and why standard homeowner policies may not include protection for earthquake‑related damage.

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Homeowners Can Put Equity to Work with a HELOC

Upgrades, renovations, and additions to your home can be costly. Thankfully, homeowners have an effective tool at their disposal—their home’s equity.