Washington Mortgage Rates January 2021

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
		$

in 98501, All points, 740 Sort by:

Lender

APR

Rate

Cost & Fees

Notes

NMLS # 1168
State Lic # CL-1168

2.484%

01/24/2021

2.375%

at 1.500 pts
30 day lock rate

Est payment: $1,166

Fees in APR: $4,341

Direct Lender. Billions Funded.

NMLS # 1168
State Lic # CL-1168

2.545%

01/24/2021

2.500%

at 0.625 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $1,779

Direct Lender. Billions Funded.

NMLS # 1168
State Lic # CL-1168

2.625%

01/24/2021

2.625%

at -0.125 pts
30 day lock rate

Est payment: $1,205

Fees in APR: ($255)

Direct Lender. Billions Funded.

NMLS # 1717824

2.450%

01/24/2021

2.250%

at 2.000 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $8,550

Put your money where you need it sooner.

NMLS # 1717824

0.000%

01/24/2021

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

Apply online in minutes and close in days, not months.

NMLS # 1168
State Lic # CL-1168

2.484%

01/24/2021

2.375%

at 1.500 pts
30 day lock rate

Est payment: $1,166

Fees in APR: $4,341

Direct Lender. Billions Funded.

NMLS # 1168
State Lic # CL-1168

2.411%

01/24/2021

2.250%

at 2.125 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $6,498

Direct Lender. Billions Funded.

NMLS # 1168
State Lic # CL-1168

2.545%

01/24/2021

2.500%

at 0.625 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $1,779

Direct Lender. Billions Funded.

NMLS # 1168
State Lic # CL-1168

2.625%

01/24/2021

2.625%

at -0.125 pts
30 day lock rate

Est payment: $1,205

Fees in APR: ($255)

Direct Lender. Billions Funded.

NMLS # 1717824

2.677%

01/24/2021

2.625%

at 0.000 pts
30 day lock rate

Est payment: $1,205

Fees in APR: $2,550

Put your money where you need it sooner.

NMLS # 1717824

2.627%

01/24/2021

2.500%

at 1.000 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $5,550

Put your money where you need it sooner.

Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

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.

Washington Rates & Resources

Washington Savings Rates
Washington CD Rates

Washington Mortgage Rates January 2021

Washington Mortgage Rates - Refinance Rates:

Washington Conforming Mortgage Rates

Washington Super Conforming Home Loan Rates

Washington Jumbo Loan Interest Rates

Washington Fixed Rate Mortgages

Washington Adjustable Interest Rates

Washington Interest Only Home Mortgage Rates

Washington FHA Mortgage Mortgage Rates

Washington Rates & Resources

Cities in Washington

Aberdeen

Acme

Addy

Adna

Airway Heights

Albion

Allyn

Almira

Amanda Park

Amboy

Anacortes

Anatone

Anderson Island

Appleton

Ardenvoir

Ariel

Arlington

Ashford

Asotin

Auburn

Bainbridge Island

Baring

Battle Ground

Bay Center

Beaver

Belfair

Bellevue

Bellingham

Belmont

Benge

Benton City

Beverly

Bickleton

Bingen

Black Diamond

Blaine

Blakely Island

Bothell

Bow

Boyds

Bremerton

Brewster

Bridgeport

Brinnon

Brownstown

Brush Prairie

Buckley

Bucoda

Buena

Burbank

Burley

Burlington

Burton

Camano

Camas

Camp Murray

Carbonado

Carlsborg

Carlton

Carnation

Carrolls

Carson

Cashmere

Castle Rock

Cathlamet

Centerville

Centralia

Chattaroy

Chehalis