First Time Home Buyer
If you're buying your first home, you probably have a few questions. We're here to help! Our local loan officers will guide you from start to finish. We make it easy to submit documents and receive status updates with our convenient portal.
First Time Home Buyer 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.
Make Your Offer Stand Out with a Home Loan 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 a WaFd checking account, (2) register for EZ-Pay from the new checking account, and (3) sign up for direct deposit, defined as at least one monthly recurring source of income.
Smart Start Home Loan
If you're a first-time home buyer, finding and buying a house can seem daunting in this market. We believe an affordable home is the gateway to long-term and short-term financial success, and with a Smart Start Home Loan, we can help make your dream of homeownership happen.
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
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12 Important Steps to Buying a Home
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Best Way to Buy a House for First-Time Home Buyers
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.