12 Year Mortgage

12-Year No Fee Mortgage

Refinance your loan to a 12-year no-fee mortgage.

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12-Year No-Fee Mortgage Rates

APR Effective 10/22/2021*

2.644
%
APR

12 Year Fixed No Fee

Refinance Only

*See important information about rates, fees and other costs (PDF)

Refinance Your Loan to a 12-Year No-Fee Mortgage

The BECU 12-year mortgage lets you:

  • Refinance your existing mortgage without additional BECU fees

  • Enjoy significant savings in interest 

  • Get a loan amount of up to $548,250

Limited Time Offer

BECU Financial Health Focus Oct 4-Nov 12

Save on Select Loans

0.25% APR rate reduction*

Save on select home, auto, home equity and personal loans. It's one of the many ways BECU can help members save money.

*Published rate includes 0.25% rate discount.

Learn More

Interested in more information on the home refinancing process or additional strategies for reducing debt? Check out these tools and resources.

*The 0.25% 12-year no fee mortgage rate discount ends on 11/12/2021 and is eligible for primary residences only. To qualify for the 0.25% rate discount, borrowers must lock in their rate between 10/4/2021 and 11/12/2021.

Mortgage loans are subject to membership, credit approval, and other underwriting criteria; not every applicant will qualify. Certain restrictions apply. Home loan programs, terms, and conditions are subject to change without notice. 12-Year No Fee loans are for refinances only. Borrower is responsible for paying other financial institution fees and charges related to the existing loan (for example, payoff demand, statement fee and/or a reconveyance fee) as well as any prepayment penalty imposed by that lender. The borrower is responsible for payment of per diem, interest, payment of property taxes, and insurance premiums (if due).