Washington Mortgage Rates and Refinance Rates

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 yr fixed refi in 98501, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,754
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,748
Thank you for your inquiry, we will be in touch shortly. 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # CL-1138066
(877) 730-0181
at 1.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,615
 
 
e-Lend Logo
NMLS # 2826
State Lic # CL-2826
(877) 410-5082
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,216
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # CL-1071
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $656
Thank you for your inquiry, we will be in touch shortly. 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # CL-1138066
(877) 730-0181
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,103
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # CL-1071
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
E-Click Lending Logo
NMLS # 1256692
State Lic # CL-1256692
(877) 275-4211
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
e-Lend Logo
NMLS # 2826
State Lic # CL-2826
(877) 410-5082
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # CL-2925
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # CL-1071
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,531
Thank you for your inquiry, we will be in touch shortly. 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
Home Point Financial Logo
NMLS # 7706
(877) 742-3239
at 0.456 pts
30 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $356
Thank you for your inquiry! 
 
US Wide Financial Logo
NMLS # 192116
State Lic # MB-192116
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $208
Thank you for your inquiry! 
 
Flagstar Bank Logo
NMLS # 417490
(877) 808-7051
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $744
Thank you for your inquiry! 
 
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.000 pts
45 day lock rate
Est payment: $931.91
Fees in APR: $1,136
Thank you for your inquiry! We look forward to working with you. 
 
at 0.000 pts
30 day lock rate
Est payment: $1,199.10
Fees in APR: None
 
 
Pacific Finance Group, LLC Logo
NMLS # 119153
(877) 540-9068
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $870
 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
Thank you for your inquiry! 
 
QuickenLoans Logo
NMLS # 3030
at 0.000 pts
30 day lock rate
Est payment: $998.57
Fees in APR: $650
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # CL-991397
at 0.000 pts
30 day lock rate
Est payment: $953.68
Fees in APR: None
All online. No annoying phone calls. No paper. No hassles. 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # MB-35986
(877) 328-4309
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $815
 
 
Watermark Home Loans Logo
NMLS # 1838
State Lic # CL-1838
(877) 526-4069
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $72
Watermark Home Loans is a BBB A+ rated Direct Lender. 
 
Sammamish Mortgage Logo
NMLS # 118653
State Lic # CL-118653
(877) 345-4860
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $795
 
 
Accelin Loans LLC Logo
NMLS # 1574660
State Lic # MB-1574660
(877) 214-3394
at 0.000 pts
30 day lock rate
Est payment: $926.12
Fees in APR: None
 
 
Sammamish Mortgage Logo
NMLS # 118653
State Lic # CL-118653
(877) 345-4860
at 2.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $795
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # CL-991397
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,776
All online. No annoying phone calls. No paper. No hassles. 
 
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 1.100 pts
45 day lock rate
Est payment: $914.92
Fees in APR: $1,066
Thank you for your inquiry! We look forward to working with you. 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # MB-35986
(877) 328-4309
at 1.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,229
 
 
QuickenLoans Logo
NMLS # 3030
at 1.100 pts
30 day lock rate
Est payment: $953.68
Fees in APR: $2,200
 
 
Lenda, Inc. Logo
NMLS # 991397
State Lic # CL-991397
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,648
All online. No annoying phone calls. No paper. No hassles. 
 
QuickenLoans Logo
NMLS # 3030
at 0.100 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $2,700
 
 
CIT Bank Logo
NMLS # 541760
(877) 341-6056
at 0.100 pts
45 day lock rate
Est payment: $917.74
Fees in APR: $2,718
Thank you for your inquiry! We look forward to working with you. 
 
at 0.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,812
Thank you for your inquiry! 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,556
Thank you for your inquiry! 
 
Vantage Mortgage Group Logo
NMLS # 35986
State Lic # MB-35986
(877) 328-4309
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,799
 
 
Sammamish Mortgage Logo
NMLS # 118653
State Lic # CL-118653
(877) 345-4860
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $795
 
 
LincolnWay Community Bank
3.920%
10/10/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Bank of the West
4.169%
10/10/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $793
 
 
First Citizens Bank
4.256%
10/9/2017
4.125%
at 1.130 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $842
 
 
IAB Financial Bank
4.285%
10/11/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $828
 
 
BMO Harris Bank, NA
3.899%
10/13/2017
3.750%
at 1.375 pts
60 day lock rate
Est payment: $926.23
Fees in APR: $864
 
 
Citizens Bank, NA
4.175%
10/13/2017
4.125%
at 0.125 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $948
 
 
Cashmere Valley Bank
4.025%
10/12/2017
4.000%
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $604
 
 
Union Bank
4.053%
10/11/2017
4.000%
at 0.250 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $771
 
 

Mortage Data Provided by Bankrate.com 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.


Google Map for 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

Chelan

Chelan Falls

Cheney

Chewelah

Chimacum

Chinook

Cinebar

Clallam Bay

Clarkston

Clayton

Cle Elum

Clearlake

Clinton

Colbert

Colfax

College Place

Colton

Colville

Conconully

Concrete

Connell

Conway

Copalis Beach

Copalis Crossing

Cosmopolis

Cougar

Coulee City

Coulee Dam

Coupeville

Cowiche

Creston

Cunningham

Curlew

Curtis

Cusick

Custer

Dallesport

Danville

Darrington

Davenport

Dayton

Deer Harbor

Deer Park

Deming

Desert Aire

Dixie

Doty

Dryden

Dupont

Duvall

East Olympia

East Wenatchee

Easton

Eastsound

Eatonville

Edmonds

Edwall

Elbe

Electric City

Elk

Ellensburg

Elma

Elmer City

Eltopia

Endicott

Entiat

Enumclaw

Ephrata

Ethel

Evans

Everett

Everson

Fairchild Air Force Base

Fairfield

Fall City

Federal Way

Ferndale

Ford

Forks

Four Lakes

Fox Island

Freeland

Freeman

Friday Harbor

Fruitland

Galvin

Garfield

George

Gifford

Gig Harbor

Glenoma

Glenwood

Gold Bar

Goldendale

Goose Prairie

Graham

Grand Coulee

Grandview

Granger

Granite Falls

Grapeview

Grayland

Grays River

Greenacres

Greenbank

Hamilton

Hansville

Harrah

Harrington

Hartline

Hatton

Hay

Hazel Dell North

Heisson

Hobart

Hoodsport

Hooper

Hoquiam

Humptulips

Hunters

Husum

Ilwaco

Inchelium

Index

Indianola

Ione

Issaquah

Joyce

Kahlotus

Kalama

Kapowsin

Keller

Kelso

Kenmore

Kennewick

Kent

Kettle Falls

Keyport

Kingston

Kirkland

Kittitas

Klickitat

La Center

La Conner

La Grande

La Push

Lacey

Lacrosse

Lake Stevens

Lakebay

Lakewood

Lamona

Lamont

Langley

Latah

Laurier

Leavenworth

Lebam

Liberty Lake

Lilliwaup

Lincoln

Lind

Littlerock

Long Beach

Longbranch

Longmire

Longview

Loomis

Loon Lake

Lopez Island

Lummi Island

Lyle

Lyman

Lynden

Lynnwood

Mabton

Malaga

Malden

Malo

Malone

Malott

Manchester

Mansfield

Manson

Maple Falls

Maple Valley

Marblemount

Marcus

Marlin

Marshall

Marysville

Matlock

Mattawa

Mazama

Mccleary

Mckenna

Mead

Medical Lake

Medina

Menlo

Mercer Island

Mesa

Metaline

Metaline Falls

Methow

Mica

Milton

Mineral

Moclips

Mohler

Monitor

Monroe

Montesano

Morton

Moses Lake

Mossyrock

Mount Vernon

Mountlake Terrace

Moxee

Mukilteo

Naches

Nahcotta

Napavine

Naselle

Neah Bay

Neilton

Nespelem

Newman Lake

Newport

Nine Mile Falls

Nooksack

Nordland

North Bend

North Bonneville

North Lakewood

Northport

Oak Harbor

Oakesdale

Oakville

Ocean Park

Ocean Shores

Odessa

Okanogan

Olalla

Olga

Olympia

Omak

Onalaska

Orcas

Orient

Orondo

Oroville

Orting

Othello

Otis Orchards

Outlook

Oysterville

Pacific

Pacific Beach

Packwood

Palisades

Palouse

Paradise Inn

Parker

Parkland

Pasco

Pateros

Paterson

Pe Ell

Peshastin

Plymouth

Point Roberts

Pomeroy

Port Angeles

Port Gamble

Port Hadlock

Port Ludlow

Port Orchard

Port Townsend

Poulsbo

Prescott

Preston

Prosser

Pullman

Puyallup

Quilcene

Quinault

Quincy

Rainier

Randle

Ravensdale

Raymond

Reardan

Redmond

Redondo

Renton

Republic

Retsil

Rice

Richland

Ridgefield

Ritzville

Riverside

Rochester

Rock Island

Rockford

Rockport

Rollingbay

Ronald

Roosevelt

Rosalia

Rosburg

Roslyn

Roy

Royal City

Ryderwood

Saint John

Salkum

Sammamish

Satsop

Seabeck

Seahurst

Seattle

Seaview

Sedro Woolley

Sekiu

Selah

Sequim

Shaw Island

Shelton

Shoreline

Silvana

Silver Creek

Silverdale

Silverlake

Skamokawa

Skykomish

Snohomish

Snoqualmie

Snoqualmie Pass

Soap Lake

South Bend

South Cle Elum

South Colby

South Prairie

Southworth

Spanaway

Spangle

Spokane

Sprague

Springdale

Stanwood

Starbuck

Startup

Stehekin

Steilacoom

Steptoe

Stevenson

Stratford

Sultan

Sumas

Sumner

Sunnyside

Suquamish

Tacoma

Taholah

Tahuya

Tekoa

Tenino

Thornton

Thorp

Tieton

Tokeland

Toledo

Tonasket

Toppenish

Touchet

Toutle

Tracyton

Trout Lake

Tumtum

Tumwater

Twisp

Underwood

Union

Uniontown

University Place

Usk

Vader

Valley

Valleyford

Vancouver

Vantage

Vashon

Vaughn

Veradale

Wahkiacus

Waitsburg

Waldron

Walla Walla

Waller

Wallula

Wapato

Warden

Washougal

Washtucna

Waterville

Wauconda

Wauna

Waverly

Wellpinit

Wenatchee

West Richland

Westport

White Salmon

White Swan

Wilbur

Wilkeson

Wilson Creek

Winlock

Winthrop

Wishram

Woodinville

Woodland

Yacolt

Yakima

Yelm

Zillah