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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
Mortgages should be flexible.
Our low-risk mortgages come with fixed rates or protection against payment increases.*

Home Mortgage Loans

WaFd Bank has been a recommended mortgage lender for over a century, helping generations of families to own their own homes. Whether you're purchasing or refinancing, our local loan officers are ready to assist. You can apply online and securely upload documents and receive status updates via our online portal. Clients who also bank with us receive discounts on closing costs when mortgage payments are pulled from a WaFd Bank checking account. And, if interest rates go down in the future, WaFd offers low-cost modification and refinancing options to our existing mortgage clients.

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Already started your application? Return to Home Loan applicationarrow-right
  • Stuck trying to sell your home before you can buy a new one? Our cross-collateral program can bridge the gap and eliminate the need to make an offer on a new home contingent on selling your existing one.
  • 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.

Home Loan Calculator

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Rates as low as

10.041

%

APR

10.041

%

APR

Estimated Monthly Payment

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  • 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.

Other WaFd Calculators

HELOC
Lot Loan
Refinance
Remodeling
Construction

The Advantage of a Portfolio Lender

Benefits of working with WaFd Bank
We keep your loan! We don't sell it to Wall Street or Fannie Mae.
We have competitive mortgage rates and will be with you every step.
You can quickly and securely apply online in minutes.
We keep your loan! We don't sell it to Wall Street or Fannie Mae.
We have competitive mortgage rates and will be with you every step.
You can quickly and securely apply online in minutes.

Your neighborhood loan officer can help you get started

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

The Mortgage Roadmap


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Meet with a Loan Officer
Apply to reduce your monthly payments or get cash out from your lender.
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Fill out purchase agreement
When you and the seller have reached agreement on the purchase price, you and your loan officer will work together to finish processing your application and complete the financing of your new home.
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Underwriting
Your loan officer will submit your final documentation to the underwriter for final approval.
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Closing
Complete the final walkthrough of your new home and receive the final approval for the financing of your new home.

Frequently Asked Questions

info-circleStill can't find what you are looking for? Contact your local branch or call us 24/7 at 800-324-9375.

Want more help? Come See Us.

If you've done all your research but aren't sure whether a residential mortgage makes sense, just stop by. We're nearby, and we'll sit down with you and answer any questions you may have.


* Property taxes and/or insurance may increase.

** 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 in at least one form of a monthly recurring source of income.