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Happy couple moving into a new home
Happy couple moving into a new home
Happy couple moving into a new home
Happy couple moving into a new home
Happy couple moving into a new home
Happy couple moving into a new home
Happy couple moving into a new home

Home Mortgage Loans

WaFd Bank has been helping generations of families own their homes for over 105 years. Whether you're buying, building, or refinancing, our friendly and knowledgeable loan officers are here for you every step of the way. You can apply online, securely upload your documents, and receive updates in our secure online portal. As an added bonus, if interest rates go down in the future we offer low-cost modification and refinancing options to existing mortgage clients.

Ask us about special programs, including asset-based loans, lower down payment options, custom construction and loans for manufactured homes, large acreage and unusual properties.

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

Home Loan Calculator

  • 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 moving day with dad holding a cardboard moving box and mom holding baby.

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

  • We Keep Your Loan
    We don't sell, assign, or transfer your loan.
  • Competitive Rates
    We have competitive mortgage rates and will be with you every step.
  • Apply for a Loan Online
    You can quickly and securely apply online in minutes.

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.