Washington Mortgage Rates May 2019

Washington Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Washington. Our rate table has a list of Washington mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Washington you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Washington include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Washington listed below.

Loan Type Purchase    Refinance	Location State/City    Zip Code		Loan Amt	Points	FICO	% Down
30 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Bellevue Bellingham Bremerton Olympia Port Townsend San Juan Islands Seattle Spokane Vancouver-Longview Whidbey Island Yakima-Pasco-Richland-Kennewick		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 98501, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

30 yr fixed Mortgage Loan from Better.com

Better.com

https://www.brimg.net/system/img/inst/9722_logo.gif

300000

Refinance

4.001

4.000

USD

NMLS # 330511
State Lic # CL-330511

4.001%

5/17/2019

4.000%

at 0.000 pts
30 day lock rate

Est payment: $1,432.25

Fees in APR: $31

Thank you for your quote. 

 

Next

30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank

LincolnWay Community Bank

300000

Refinance

4.030

4.000

USD

LincolnWay Community Bank

4.030%

5/14/2019

4.000%

at 0.000 pts
30 day lock rate

Est payment: $1,432.25

Fees in APR: $1,085

 

 

30 yr fixed mtg refi Mortgage Loan from Peoples Bank

Peoples Bank

300000

Refinance

4.298

4.250

USD

Peoples Bank

4.298%

5/13/2019

4.250%

at 0.238 pts
45 day lock rate

Est payment: $1,475.82

Fees in APR: $1,004

 

 

30 yr fixed mtg refi Mortgage Loan from Bank of the West

Bank of the West

300000

Refinance

4.429

4.375

USD

Bank of the West

4.429%

5/15/2019

4.375%

at 0.375 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $793

 

 

30 yr fixed mtg refi Mortgage Loan from Cashmere Valley Bank

Cashmere Valley Bank

300000

Refinance

4.267

4.250

USD

Cashmere Valley Bank

4.267%

5/16/2019

4.250%

at 0.000 pts
60 day lock rate

Est payment: $1,475.82

Fees in APR: $604

 

 

30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA

Citizens Bank, NA

300000

Refinance

4.425

4.375

USD

Citizens Bank, NA

4.425%

5/17/2019

4.375%

at 0.250 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $1,006

 

 

30 yr fixed mtg refi Mortgage Loan from BMO Harris Bank, NA

BMO Harris Bank, NA

300000

Refinance

4.191

4.125

USD

BMO Harris Bank, NA

4.191%

5/16/2019

4.125%

at 0.500 pts
60 day lock rate

Est payment: $1,453.95

Fees in APR: $864

 

 

30 yr fixed mtg refi Mortgage Loan from Union Bank

Union Bank

300000

Refinance

4.293

4.250

USD

Union Bank

4.293%

5/15/2019

4.250%

at 0.250 pts
60 day lock rate

Est payment: $1,475.82

Fees in APR: $771

 

 

Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.

Washington Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Washington. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Washington mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Washington mortgage loans that have been made. As a result, Washington mortgage rates today are lower than jumbo interest rates in Washington. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Washington Super Conforming Home Loan Rates

Super conforming mortgages in Washington are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Washington Jumbo Loan Interest Rates

Washington jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Washington are usually 0.75 basis points higher than conforming mortgage rates in Washington because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Washington Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Washington. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Washington Adjustable Interest Rates

Washington adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Washington Interest Only Home Mortgage Rates

Washington interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Washington FHA Mortgage Mortgage Rates

Borrowers in Washington must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Washington are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

Cities in Washington