What Type of Home Loan is Right for You?
Whether you're a first time buyer or a seasoned investor, WaFd Bank is a portfolio lender that 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.
Build on future value! Don't let major housework out-strip your equity.
WaFd Bank's all-in-one loan, also called a custom construction loan or construction-to-permanent 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.
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.
A Few Reasons Why a Portfolio Mortgage Lender like WaFd Bank is a Big Advantage
Prospective homebuyers may find it easier to qualify for a mortgage loan from a portfolio lender than a traditional lender.
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.
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.
WaFd offers assistance for borrowers who are experiencing difficulty in making their mortgage payments. Learn more about mortgage assistance
Frequently Asked Questions
What is a Portfolio Loan & How Does it Work?
Pros and Cons to Consider BEFORE You Buy a Fixer-Upper
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.