The front door of a house
The front door of a house
The front door of a house
The front door of a house
The front door of a house
The front door of a house
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Current Mortgage Interest Rates

Mortgage Loan
Program

Interest Rate

P&I Payments

APR

Fee

Mortgage Loan
Program

Interest Rate

P&I Payments

APR

Fee

30-Year Fixed Mortgage13.000%$1,349.133.107%1.00%
15-Year Fixed Mortgage22.750%$2,171.592.909%0.75%
30-Year Fixed Custom Construction / Remodel33.625%$1,459.363.793%1.50%
15-Year Fixed Custom Construction / Remodel43.375%$2,268.033.638%1.25%
20-Year Fixed Lot Loan55.750%$702.086.017%1.00%
30-Year Fixed Refinance63.250%$1,392.663.358%1.00%

Interest only loan programs

Mortgage Loan
Program

Interest Rate

Interest Only Payments

APR

Fee

Mortgage Loan
Program

Interest Rate

Interest Only Payments

APR

Fee

24-Month Interest Only Lot Loan55.625%$468.757.040%1.50%
24-Month Interest Only Lot Loan73.625%$302.085.011%1.50%
Home Equity Line of Credit (HELOC)83.250%$270.843.250%0.00%
Buying a New Home?
  • Ask us about additional available loan programs.
  • Subject to credit approval.
  • APR is based on loan amount and interest rate.
  • Payments quoted do not include taxes & insurance, so actual payments may be higher.

Annual Percentage Rate (APR) The cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees. For home equity lines, the APR is just the interest rate.

1 Assumes a purchase of an owner occupied single family residence with a loan amount of $320,000 based on a purchase price of $400,000 with a 20% down payment of $80,000. Borrower FICO score of 680 or higher. Subject to qualification. Interest rate applies to 30 year fixed purchase only program. Monthly payment based on a 30 year loan term amortized over 360 months. Contact your neighborhood loan officer for details on your loan scenario.

2 Assumes a purchase of an owner occupied single family residence with a loan amount of $320,000 based on a purchase price of $400,000 with a 20% down payment of $80,000. Borrower FICO score of 680 or higher. Subject to qualification. Interest rate applies to 15 year fixed purchase only program. Monthly payment based on a 15 year loan term amortized over 180 months. Contact your neighborhood loan officer for details on your loan scenario.

3 Assumes a Custom Construction / Remodel of an owner occupied single family residence with a loan amount of $320,000 based on a finished value and cost to complete Custom Construction / Remodel of $400,000. Borrower FICO score of 680 or higher. Subject to qualification. Interest rate applies only to 30 year fixed Custom Construction / Remodel program. Monthly payment based on a 30 year loan term amortized over 360 months. Contact your neighborhood loan officer for details on your loan scenario.

4 Assumes a Construction / Remodel of an owner occupied single family residence with a loan amount of $320,000 based on a finished value and cost to complete Custom Construction / Remodel of $400,000. Borrower FICO score of 680 or higher. Subject to qualification. Interest rate applies only to 15 year fixed Custom Construction / Remodel program. Monthly payment based on a 15 year loan term amortized over 180 months. Contact your neighborhood loan officer for details on your loan scenario.

5 Subject to credit approval. 24 month interest only lot loan program and 20 year fixed lot loan assumes a $100,000 loan amount, minimum FICO of 680 or above, purchase up to maximum 70% loan to value.

6 Actual rates may vary. Assumes a no-cash out refinance of an owner occupied single family residence with a loan amount of $320,000 based on a property appraised value of $400,000 with 20% equity. Borrower FICO score of 680 or higher. Subject to qualification. Interest rate applies to a 30 year fixed rate refinance program. Cash-out Refinance options may be available with different rates and terms. Contact your neighborhood loan officer for details on your loan scenario.

7 Subject to credit approval. 24 month interest only lot loan program assumes a $100,000 loan amount, minimum FICO of 720 or above, purchase up to maximum 50% loan to value.

8 Subject to credit approval. HELOC interest rate and fee assumes a $100,000 line of credit for an owner occupied subject property, minimum 725 or above FICO, maximum of 60% combined loan to value including an existing WaFd Bank 1st mortgage (if applicable), and EZ Pay from a WaFd checking account.