






Refinance 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
4 Factors to Consider Before You Refinance
Is it time to refinance my home? How to know if it’s right for you.
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
See more FAQsMortgage refinancing can save you tens of thousands of dollars. If you're not strapped for cash, be sure to have a plan in place for the money you save from refinancing.
- Will you invest in your child's education?
- Do you plan to prepay your mortgage so you can pay off your loan early?
- Are you going to add your monthly savings into a 401(K) or another retirement savings account?
Be sure to run some financial calculations to see just how much you can save, and have a plan in place for your savings to get the most out of your mortgage refinance.
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.