Welcome to WaFd Bank Home Lending

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

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.

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

Mortgage Calculator / Rate Finder

Use this calculator to find out what your monthly payments may be or, for home loans, enter a target monthly payment to see how much house you can afford. Current rates will automatically populate based on loan type, terms and amount. Rates are subject to change at any time, please check our rates page for current rates.
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See today's rates

America's Best Bank 2021 Newsweek
$1,181
Principal & Interest
$2,689
Taxes
$3,780
Insurance
$7,650Your Estimated Monthly Payment
  • Payments quoted may include estimates of taxes & insurance, so actual payments may be higher.
  • Subject to credit approval.
  • APR (Annual Percentage Rate) is based on loan amount and interest rate.
  • 0.768333% tax rate used in estimate.
  • Rates for owner occupied homes only.
  • This calculator is for educational purposes only, and may not represent WaFd Bank’s lending program requirements.
  • Ask us about additional available loan programs.
  • Payments quoted may include estimates of taxes & insurance, so actual payments may be higher.
  • Subject to credit approval.
  • APR (Annual Percentage Rate) is based on loan amount and interest rate.
  • 0.77% tax rate used in estimate.
  • Rates for owner occupied homes only.
  • This calculator is for educational purposes only, and may not represent WaFd Bank’s lending program requirements.
  • Ask us about additional available loan programs.
1
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.

2
Loan Approvals

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

3
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.

4
Mortgage Resource Center

WaFd offers assistance for borrowers who are experiencing difficulty in making their mortgage payments.

Find a Loan Officer