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Couch, table, and plant in minimalist apartment
Couch, table, and plant in minimalist apartment
Couch, table, and plant in minimalist apartment
Couch, table, and plant in minimalist apartment
Couch, table, and plant in minimalist apartment
Couch, table, and plant in minimalist apartment
Couch, table, and plant in minimalist apartment

What Type of Home Loan is Right for You?

Whether you're a first time buyer or a seasoned investor, WaFd Bank is a portfolio lender that will be with you every step.

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Already started your application? Return to Home Loan applicationarrow-right

Home Loan Calculator

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Rates as low as

10.041

%

APR

Estimated Monthly Payment

$1,234.56

  • Payments quoted do not include taxes & insurance, so actual payments may be higher. Loans are subject to credit approval. Restrictions and limitations may apply.
  • Rates for owner occupied homes only. This calculator is for educational purposes only, and may not represent WaFd Bank's lending program requirements.
Young couple moving in new house, holding keys.

Save Up to $600 on Closing Costs With a Checking Account From WaFd Bank*

*To qualify for the maximum $600 discount, before closing documents are prepared you must (1) have or open the WaFd checking account, (2) register for EZ-Pay from the new checking account, and (3) sign up for direct deposit of at least one form of a monthly recurring source of income.

Family playing with picture frame in new home.

Buy Your New Home Now, Sell Your Current Home Later

Need the equity in your current house to buy your new home? With our cross-collateral home loan, you won't need to make your offer to buy a new home contingent on selling your existing one.

Portfolio Lender 101: Why You Should Bank with a Portfolio Lender

A Few Reasons Why a Portfolio Mortgage Lender like WaFd Bank is a Big Advantage

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Loan Approvals

Prospective homebuyers may find it easier to qualify for a mortgage loan from a portfolio lender than a traditional lender.

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Flexibility

We have the ability to recalculate and re-amortize your mortgage payments if there is a large reduction in principal. This could be a great option to reduce your monthly payment without the difficulty and expense of refinancing.

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Special Cases

We succeed at contingent loans and liquid asset based borrowers. Cross Collateralization that reduces or eliminates down payments. As a portfolio lender, we can invest and lend where other banks won't.

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Homeowner Assistance Programs

WaFd offers assistance for borrowers who are experiencing difficulty in making their mortgage payments. Learn more about mortgage assistancearrow-right

Frequently Asked Questions

Want more help? Come See Us.

If you're a first time home buyer and have done all your research but want help, just stop by. We're nearby, and we'll sit down with you and answer any questions you may have.