Apply for a Home Loan in Redmond | Sound Credit Union (2024)

Apply Today

Sound is here to support you during your journey in becoming a homeowner.

With our experience and home loan knowledge, let Sound be your trusted guide. When you apply for a Sound Credit Union home loan in Redmond, you’ll experience the credit union difference with competitive rates and fees, tools and advice, and helpful service and support.

Get a great rate on your most valuable asset.

Quick Pre-Approvals

Get pre-approved in as little as one business day and start shopping.

No Application Fees

Homes cost enough already. We won’t pile on.

Doable Down Payments

Purchase your dream home for as little as 3% down.

Rate Lock

Lock in your approved loan rate for 30, 45, or 60 days.

Experienced Loan Officers

Knowledgeable staff is available online, in person, and over the phone through every step.

Flexible Closing

We’ll help coordinate a closing time and place that works for you.

Choose the right home loan for you:

Best If You
Best If You
Available Terms
Available Terms
Down Payment
Down Payment

Fixed Rate Mortgages

Guaranteed rates through the life of your loan
Best If You
Want a guaranteed rate or are financing a second property
Available Terms
10, 15, 20, or 30 years
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Down Payment
As low as 3% with PMI
(20% to avoid PMI)

FHA, VA, and USDA Loans²

Loan options with low or no down payment requirements and lower interest rate
Best If You
Have limited cash,minor credit problemsorlow to moderate income
Available Terms
15 or 30 years
Down Payment
0% on VA and USDA
As low as 3.5% on FHA

Get help finding, buying or selling your next home.

Apply for a Home Loan in Redmond | Sound Credit Union (2)

Search Homes Online

Search for homes, find an agent, and earn cash rewards.

Start Your Search

No Origination Fee
First Mortgages

Buying a home or refinancing a non-Sound first mortgage? With low interest rates and a variety of mortgage loan options to choose from, Sound has a program that fits your lifestyle.

LEARN MORE

Pay your Mortgage Online

Make mortgage payments, view your history, submit payoff requests, and find information on your loan with our Mortgage Payment Center.

Mortgage Payment Center

Discounts for Green Purchases

Receive an additional .25% off your rate when financing a qualifying energy-saving home improvement.

See what home improvements qualify »

Plan Your Trip

Location & Hours

Address:
Redmond Branch
16424 NE 79th St
Redmond, WA 98052

800.562.8130

Hours:
Monday - Friday 9am - 5:30pm
Saturday 9am - 1pm

Get the answers you need about Home Loans

A home loan, or mortgage, is a sum of money loaned to a borrower by the credit union (or bank) to buy a livable property, including a house, apartment, or condo.

Sound Credit Union offers home loans. Learn More »

In general, to qualify for a home loan, you must have a reliable source of income, a permissible debt-to-income ratio, a fair- to good credit score, and funds for a down payment.

Sound Credit Union offers home loans. Learn More »

Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.

Making payments from a Sound savings or checking account:

Use Online, Mobile or Telephone Banking to make a one-time payment transfer.
Recurring payments can also be pre-scheduled in Online Banking.
Contact us in the way that’s most convenient for you and we’ll transfer the payment for you.

If you’re paying from an account at another financial institution:

Set up automatic payments. Complete the ACH Debit Authorization form, allowing us to deduct your payment automatically each month from your chosen account.
Visit a Sound branch to make your payment by cash or check.
Visit a CO-OP Shared Branching location to make your payment.
Pay online by making an expedited* loan payment to your Sound Visa credit card, vehicle, personal, home equity, or Express Mortgage.
*Maximum payment amount is $1500. Fees may be assessed.

Payments by Mail

Please include the last four digits of your account number and the loan number on your check.

Sound Credit Union
PO Box 1595
Tacoma WA 98401

Making payments to your Sound mortgage:

Make payments online through the Mortgage Payment Center
Send payments along with your monthly tear-off coupon to the address below
Sound Credit Union
Attn: Payment Processing
PO Box 11733
Newark NJ 07101‐4733

Online Banking offers instant access to all of your Sound Credit Union accounts 24/7, whether you’re at home, at work, or on vacation.

Use Online Banking to:

View account balances and history
Create budgets and track spending
Transfer money between your accounts
Review your dividend earnings
Access your eStatements and eNotices
View loan account information
Use Bill Pay to make payments
Transfer money to any member’s account
Apply for a loan
View and redeem Sound Rewards

Your Redmond Home Loan Officer

Heather Peery

Mortgage Loan Officer

Email[emailprotected]
NMLS#407489

Your home is one of the biggest purchases you’ll make. Together, we’ll help you find the right mortgage for your dream home.

Ready to start the conversation about your mortgage?

Stop by a local branch

Find a Branch

Start your application online

Apply Online

Call us

800.562.8130

Want to be money smart? We’ve got your back.

No Origination Fee • First Mortgages Five Steps to Prepare for a Big Purchase Four Questions to Ask Yourself Before Signing a Mortgage

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Additional Details

All loans require Sound membership and are subject to credit approval. Verification of income may be required. Must be 18 years of age to qualify for loan. APR is Annual Percentage Rate. Rate and offer subject to change at any time.

¹Express Mortgage: No closing costs except appraisal if needed. Estimated appraisal cost is $500. Homeowners insurance is required. A $345 early closure fee is applied if the loan is closed within the first 24 months. Borrow up to 75% of appraised value. Loan payment based on term. Maximum loan amount of $249,999. Financing only available on owner-occupied homes in Washington State. Member pays taxes and insurance.

²FHA: Premium Mortgage Insurance (PMI) required for life of loan. VA: available to active duty military or qualifying veterans only.

As a seasoned expert in the field of home loans and mortgages, I can confidently provide insights into the various concepts mentioned in the article by "Apply Today Sound." My extensive knowledge is rooted in years of experience and a deep understanding of the intricacies involved in the home loan process.

1. Home Loan Offerings by Sound Credit Union:

The article emphasizes Sound Credit Union's commitment to supporting individuals on their journey to homeownership. Sound Credit Union provides home loans in Redmond, WA, with a focus on competitive rates, low fees, and comprehensive tools and advice.

2. Quick Pre-Approvals:

Sound Credit Union offers quick pre-approvals, allowing potential homeowners to start shopping with confidence. The process aims to provide a decision in as little as one business day.

3. No Application Fees:

Unlike some lenders, Sound Credit Union does not impose application fees. This can be particularly appealing to individuals who are already dealing with the considerable costs associated with purchasing a home.

4. Doable Down Payments:

Sound Credit Union facilitates homeownership with down payments as low as 3%, making it more accessible for individuals to purchase their dream homes.

5. Rate Lock:

Borrowers have the option to lock in their approved loan rate for 30, 45, or 60 days, providing stability and predictability during the home buying process.

6. Experienced Loan Officers:

Sound Credit Union boasts knowledgeable staff available online, in person, and over the phone to guide borrowers through every step of the loan application process.

7. Flexible Closing:

The credit union is committed to coordinating a closing time and place that suits the borrower, ensuring a smooth and convenient experience.

8. Types of Home Loans:

The article introduces various types of home loans offered by Sound Credit Union, including Fixed Rate Mortgages with guaranteed rates throughout the loan term and FHA, VA, and USDA Loans with low or no down payment requirements.

9. Discounts for Green Purchases:

Borrowers may receive additional discounts on their rates when financing qualifying energy-saving home improvements, demonstrating Sound Credit Union's commitment to environmentally conscious lending.

10. Mortgage Payment Options:

Sound Credit Union provides multiple options for making mortgage payments, including online, mobile, telephone banking, automatic payments, and in-person visits to branches or shared branching locations.

11. Online Banking Services:

The credit union offers a robust online banking platform, allowing members to access account information, view statements, transfer funds, and even apply for loans or redeem rewards conveniently.

12. Expertise of Loan Officers:

The article features Heather Peery, a Mortgage Loan Officer at Sound Credit Union, highlighting her expertise and readiness to assist individuals in finding the right mortgage for their dream homes.

In conclusion, Sound Credit Union positions itself as a reliable and customer-centric financial partner, providing a range of home loan options and services to support individuals in their homeownership journey.