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Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Mature man in home kitchen sorting the home finances on laptop, talking on cell phone
Refinance with a Best Bank that's always here for you

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

$
$
$
$
$
NaNYour Estimated Monthly Payment
  • $
    Principal & Interest
  • $2,689
    Taxes
  • $3,780
    Insurance
  • 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

HELOC
Lot Loan
Mortgage
Remodeling
Construction
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 Refinance Roadmap


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Application
Apply to reduce your monthly payments or get cash out from your lender.
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Processing
Get initial approval of credit, income and assets, and determine home value to support your loan application.
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Underwriting

Your lender will submit your final documentation to the underwriter for final approval. The underwriter follows the 3 C's:

Credit
  • Credit History
Capacity
  • Cash Flow / Income
  • Cash & Liquid Assets
Collateral
  • Type of Property & Occupancy
  • Loan to Value
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Closing
Complete the final approval steps from your mortgage lender.

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 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.