Refinancing Made Simple
Want to lower your monthly mortgage payment, pay off your mortgage faster or pull cash out for that remodeling project? Apply to refinance online, where you can securely upload your documents and receive status updates in our secure portal. Our experienced loan officers guide you through every step of the process. If you're already a WaFd home loan client, be sure to contact your loan officer to discuss options. Remember, we will be here to help you long after you close your loan with WaFd Bank.
Refinance Loan Calculator
- Payments quoted may include estimates of taxes & insurance, so actual payments may be higher.
- Loans are subject to credit approval. Restrictions and limitations may apply.
- 0.768333% tax rate used in estimate.
- Rates for owner occupied homes only.
- This calculator is for educational purposes only, and may not represent WaFd Bank's lending program requirements.
- Ask us about additional available loan programs.
- Restrictions may apply on cash out refinance loans.
- Payments quoted may include estimates of taxes & insurance, so actual payments may be higher.
- Loans are subject to credit approval. Restrictions and limitations may apply.
- 0.77% tax rate used in estimate.
- Rates for owner occupied homes only.
- This calculator is for educational purposes only, and may not represent WaFd Bank's lending program requirements.
- Ask us about additional available loan programs.
- Restrictions may apply on cash out refinance loans.
*Cash refinances are subject to conditions.
Other WaFd Calculators
Other WaFd Calculators
Your neighborhood loan officer can help you get started
WaFd Bank Home Lending Articles
What to Know Before Refinancing and How to Refinance a House
When is it Worth it to Refinance
Should I Refinance When Interest Rates Are Going Up?
The Refinance Roadmap
Your lender will submit your final documentation to the underwriter for final approval. The underwriter follows the 3 C's:
- Credit History
- Cash Flow / Income
- Cash & Liquid Assets
- Type of Property & Occupancy
- Loan to Value
Frequently Asked Questions
Want more help? Come See Us
If you've done all your research but aren't sure whether refinancing makes sense, just stop by. We're nearby, and we'll sit down with you and answer any questions you may have.
Arizona, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, and Washington* 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.