What Type of Home Loan is Right for You?
Whether you're a first time buyer or a seasoned investor, WaFd Bank's friendly and knowledgeable loan officers will be with you every step.
If you're buying your first home, you probably have a lot of questions. We're here to help.
Want to lower your monthly mortgage payment, pay off your mortgage faster or pull cash out for that remodeling project?
WaFd Bank has been a recommended mortgage lender for over a century, helping generations of families to own their own homes.
An affordable home is the gateway to financial success. If you're having trouble qualifying for a conventional mortgage because of your income, a Smart Start is just what you need.
Use the equity you've built in your home for just about anything you need. We offer a line of credit or a loan secured by your equity, also known as HELOC and HELOAN.
Buy your new home and worry about selling your current house later with an Easy Move Cross Collateral Home Loan.
WaFd Bank's Construction-to-Permanent loan, also called a custom construction loan, will help you build your dream home that's the right fit for you.
If you've done all your research but aren't sure whether a home loan makes sense, just stop by.
We're nearby, and we'll sit down with you and answer any questions you may have. Arizona, California, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington.
Home Loan Calculator
Estimated Monthly Payment
Other Loan Calculators
- 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.
Pre-Approval*
A verified Pre-Approval gives you the confidence of knowing how much house you can afford. Our Pre-Approval program is verified by our Underwriting Team, and lets sellers know you're a serious buyer who can qualify for the house you are interested in.
*WaFd Bank Pre-Approvals are based on verified credit, income, and employment verification.
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.
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.
Benefits of Working With WaFd Bank
Benefits of Working With WaFd Bank
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We're Here for You
From submitting your application through closing and beyond
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Competitive Rates
We have competitive mortgage rates and will be with you every step
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Apply for a Loan Online
You can quickly and securely apply online in minutes
Frequently Asked Questions
![Loan officer explains loan details to couple in office.]()
What is a Portfolio Loan & How Does it Work?
![Couple painting their walls during a home renovation.]()
Pros and Cons to Consider BEFORE You Buy a Fixer-Upper
![Woman using calculator to manage expenses.]()
When is it Worth it to Refinance
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.