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Purchase or refinance your home with The Mortgage Program for Costco Members

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Purchase or refinance your home with The Mortgage Program for Costco Members

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The Mortgage Program for Costco Members is committed to providing quality and value to members. Purchasing a home can be one of the most meaningful decisions you will make in your life, and the participating lenders want to help you every step of the way.

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The Mortgage Program for Costco Members

The Mortgage Program for Costco Members: Buying and Refinancing

Buying a home or refinancing a mortgage can feel like a daunting process with many moving parts. So it’s important to have a trusted lender throughout the process from pre-approval, appraisal, inspection, and all the way to closing to make the process simpler and easier for you.

With The Mortgage Program for Costco Members, provided by CrossCountry Mortgage, LLC. and other participating lenders1, you can enjoy a streamlined, transparent process from the first point of contact to the moment you receive your house keys. The Mortgage Program is committed to providing Costco members great benefits and value.

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1Costco is not a lender. Costco is not affiliated with CrossCountry Mortgage or any participating lender. Costco does not endorse or recommend any particular lender and is not responsible for any of the activities of CrossCountry Mortgage or any of the participating lenders.

The Mortgage Program: Committed to Service

After submitting your information, you will be able to compare rates, select up to four lenders and request your quotes. You’ll then receive an email with the support team’s contact information. Shortly after your email confirmation, the lenders you selected will give you a call to discuss home lending and answer questions you may have.

The Mortgage Program doesn’t take your trust for granted. The information you submit will go only to the lenders you select.

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The Credit Range that you select can directly affect the rate(s) that are offered. A higher credit score can lower your qualifying rate. Your actual credit score will be validated by the Mortgage Loan Provider(s) that you select to work with and the "qualified" credit score will be used to create your qualified offer.
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Your information is sent directly to The Mortgage Program for Costco members, provided by CrossCountry Mortgage, LLC and the participating lenders. Costco does not receive your data. Costco and its affiliates do not take loan applications, offer, negotiate, or make mortgage loans or lines of credit. Costco does not guarantee products or services offered by The Mortgage Program and is not responsible for any of the activities of CrossCountry Mortgage, LLC or any of the participating lenders.

Questions? Call Us:


855-799-3268 9AM-9PM EST, MON-SAT
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What Can You Expect

The Mortgage Program is a valuable resource for Costco members, no matter where you are in the home purchasing process. Whether it’s your first purchase or you’re upsizing, downsizing, adding an investment property, or refinancing an existing loan, The Mortgage Program gives you the quality experience Costco members expect and deserve. Here’s what The Mortgage Program can do for you.

  • how much mortgage can I afford

    New Homebuyer's Savings

    Empowers new home buyers to save by helping them successfully get a mortgage with competitive rates.

  • refinance mortgage rates

    Favorable Refinance Rates

    Provides favorable refinancing options for members who have existing mortgages on homes or rental properties.

  • mortgage loan

    Conventional, FHA, & Jumbo

    Offers FHA loans, jumbo loans, veteran loans, and conventional loans, including both fixed and adjustable-rate mortgages, for Costco members.

  • veteran mortgage

    Veteran Affairs (VA) Loans

    Helps veterans obtain favorable loan terms and interest rates on their mortgages, including VA loans that may offer no down payment, no monthly mortgage insurance, and other benefits.

Low Lender Origination Fees

There are no surprises with Mortgage Program lender fees, which are up-front and low: Lender origination fees are capped at $350 for Executive Members and $650 for Gold Star Members.

Costco executive member card
Lender Fees
$350 or less*
Costco gold member card
Lender Fees
$650 or less*

The Mortgage Program is in your corner to help you make an educated financial decision that will serve you over the long haul. Participating lenders will work with you to help find a mortgage that best suits your needs.

Flexbox filler couple getting mortgage rates

First-Time Home Purchaser? Consider:

  • 1
  • Obtaining a pre-approval or qualification letter before beginning to shop for a home. This helps you identify your price range, and shows sellers you're prepared.

  • 2
  • Determining your needs versus your wants based on priorities, family size, and what you value most. Make a list of key features and aim to get 80% of them.

  • 3
  • Looking for a neighborhood that suits your needs, especially if you plan to live in your home for awhile. Consider nearby schools and other amenities.

A Streamlined and Helpful Process

Each of the participating lenders in The Mortgage Program has a state-of-the-art platform that streamlines the way you get a mortgage. These lenders use technology and automation to help avoid guesswork and confusion, and you can upload and submit most standard documentation securely online, rather than mailing in a stack of papers. Of course, members will always have access to a licensed and experienced mortgage professional to call with questions or for clarifications at any point.

Four Potential Reasons to Refinance a House

To lower interest rates or the mortgage payment
To consolidate debt
To get cash out
To reduce the term of the loan
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Quality, Value, and Trust from the Mortgage Program

The Mortgage Program participating lenders are committed to guiding members through this important transaction and major life milestone. They’re here to help you make the best decision for tomorrow and into the future.

With multiple options for lenders and the knowledge of up-to-date live rates, you can make an informed financial decision for your budget. The Mortgage Program for Costco Members allows you to shop for a mortgage product that fits your situation so you can buy a home in full confidence.

The Mortgage Program for Costco Members

  • Over 160,000 funded loans through The Mortgage Program for Costco members

  • Over $38B in successful fundings since 2011

  • Over 92% of Costco members who used The Mortgage Program rated it as Excellent, Very Good, or Good

Benefits for Costco Members

Fill out the simple form and get up-to-date mortgage rates to see how much you could save.

View Rates for Costco members

*The estimated savings statement for Executive and Gold Star Members is calculated over a 7-year period utilizing the following loan scenario and includes both interest and fees savings: home purchase in the state of California with a Loan-To-Value of 80%, Loan Amount= $250,000, Payment of $1,158, Interest Rate= 3.750%, Single Family, Primary Residence, FICO= 740, Term= 30yr. Executive Member APR=3.757%, Average Executive Membership level savings is $7,206, which includes the lender fees savings as of 1/14/20. Gold Star Member APR=3.769%, Average Gold Star Membership level savings is $6,906, which includes the lender fees savings as of 1/14/20. Lender Fees include application, commitment, underwriting, processing fees or similar fees and PAYMENT DOES NOT include 3rd party fees, such as title insurance, appraisal, tax service, escrow and other such fees in which the lender does not profit and are passed directly through to the borrower. All fees are detailed in the Loan Estimate. Executive and Gold Star Membership savings is compared to an average of national mortgage lenders in a comparative study conducted by Informa Research Services Inc. Individual savings may vary based on credit score, Loan-To-Value, location, Costco Membership level, and loan amount, and is subject to loan requirements underwriting and approval. Marketing Approval Date 2/1/2020.

General Program Disclosures: Mortgage lead generation and/or originations are provided by CrossCountry Mortgage, LLC, 6850 Miller Road, Brecksville, OH 44141. CrossCountry Mortgage, LLC, is licensed or registered in the states in which it originates mortgage loans. All loans subject to underwriting approval. Certain restrictions apply. Call 1-800-793-0759 for details. CrossCountry Mortgage, LLC. NMLS3029 ( CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the federal government. Certificate of Eligibility required for VA loans. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Georgia Residential Mortgage Licensee. Illinois Residential Mortgage Licensee. Kansas Licensed Mortgage Company. CrossCountry Mortgage, LLC is a licensed mortgage lender in the Commonwealth of Massachusetts. Mississippi Licensed Mortgage Company. Licensed by the New Hampshire Banking Department. Licensed by the New Jersey Department of Banking and Insurance. Licensed Mortgage Banker – New York State Banking Department. Rhode Island Licensed Lender. Licensed by the Virginia State Corporation Commission. Costco and its affiliates do not originate mortgage loans. Costco does not guarantee products or services offered by CrossCountry Mortgage, LLC. Costco is not affiliated with any lender. Costco does not endorse and is not responsible for any of the activities of any lender.