Mortgage Rates in Washington30-Year Fixed mortgage rates today with 0.000% point(s) in Washington are at 7.125%, Current Washington fixed rate mortgages for a 15-Year Fixed mortgage are at 6.500% with 0.000% point(s), 10-Year Fixed mortgage rates today with 0.000% point(s) in Washington are at 6.500%. Washington Mortgage 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. Compare mortgage and refinance rates in Washington. Save money by using our free tool to find customized mortgage and refinance rates for Washington (WA). Use our mortgage calculator to check how much monthly payments will be on your home loan. 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. Mortgage rates on adjustable loans include 5/6 ARM with 0.000% point(s) in Washington at 6.125%, Mortgage rates on adjustable loans include 3/1 ARM with 0.000% point(s) in Washington at 6.125%, Washington 10/1 ARM (Jumbo) mortgage rates are at 6.625% with 0.000% point(s). Mortgage
APR
30-Year Fixed Conforming
5.73%
15-Year Fixed Conforming
5.53%
30-Year Fixed Jumbo
5.73%
15-Year Fixed Jumbo
5.53%
5/6 ARM Conforming
6.94%
5/6 ARM Jumbo
6.88%
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. Mortgage Rates in Washington February 6, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Washington Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in Washington? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. Washington Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in Washington? You can list your company, contact information, website an logo here. Contact us to find out how. Washington Conforming Mortgage RatesConforming 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 $regionName. 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 RatesSuper 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 RatesWashington 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 MortgagesFixed 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 RatesWashington 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 RatesWashington 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 RatesBorrowers 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 WashingtonAberdeenAcmeAddyAdnaAirway HeightsAlbionAllynAlmiraAmanda ParkAmboyAnacortesAnatoneAnderson IslandAppletonArdenvoirArielArlingtonAshfordAsotinAuburnBainbridge IslandBaringBattle GroundBay CenterBeaverBelfairBellevueBellinghamBelmontBengeBenton CityBeverlyBickletonBingenBlack DiamondBlaineBlakely IslandBothellBowBoydsBremertonBrewsterBridgeportBrinnonBrownstownBrush PrairieBuckleyBucodaBuenaBurbankBurleyBurlingtonBurtonCamanoCamasCamp MurrayCarbonadoCarlsborgCarltonCarnationCarrollsCarsonCashmereCastle RockCathlametCentervilleCentraliaChattaroyChehalisChelanChelan FallsCheneyChewelahChimacumChinookCinebarClallam BayClarkstonClaytonCle ElumClearlakeClintonColbertColfaxCollege PlaceColtonColvilleConconullyConcreteConnellConwayCopalis BeachCopalis CrossingCosmopolisCougarCoulee CityCoulee DamCoupevilleCowicheCrestonCunninghamCurlewCurtisCusickCusterDallesportDanvilleDarringtonDavenportDaytonDeer HarborDeer ParkDemingDesert AireDixieDotyDrydenDupontDuvallEast OlympiaEast WenatcheeEastonEastsoundEatonvilleEdmondsEdwallElbeElectric CityElkEllensburgElmaElmer CityEltopiaEndicottEntiatEnumclawEphrataEthelEvansEverettEversonFairchild Air Force BaseFairfieldFall CityFederal WayFerndaleFordForksFour LakesFox IslandFreelandFreemanFriday HarborFruitlandGalvinGarfieldGeorgeGiffordGig HarborGlenomaGlenwoodGold BarGoldendaleGoose PrairieGrahamGrand CouleeGrandviewGrangerGranite FallsGrapeviewGraylandGrays RiverGreenacresGreenbankHamiltonHansvilleHarrahHarringtonHartlineHattonHayHazel Dell NorthHeissonHobartHoodsportHooperHoquiamHumptulipsHuntersHusumIlwacoIncheliumIndexIndianolaIoneIssaquahJoyceKahlotusKalamaKapowsinKellerKelsoKenmoreKennewickKentKettle FallsKeyportKingstonKirklandKittitasKlickitatLa CenterLa ConnerLa GrandeLa PushLaceyLacrosseLake StevensLakebayLakewoodLamonaLamontLangleyLatahLaurierLeavenworthLebamLiberty LakeLilliwaupLincolnLindLittlerockLong BeachLongbranchLongmireLongviewLoomisLoon LakeLopez IslandLummi IslandLyleLymanLyndenLynnwoodMabtonMalagaMaldenMaloMaloneMalottManchesterMansfieldMansonMaple FallsMaple ValleyMarblemountMarcusMarlinMarshallMarysvilleMatlockMattawaMazamaMcclearyMckennaMeadMedical LakeMedinaMenloMercer IslandMesaMetalineMetaline FallsMethowMicaMiltonMineralMoclipsMohlerMonitorMonroeMontesanoMortonMoses LakeMossyrockMount VernonMountlake TerraceMoxeeMukilteoNachesNahcottaNapavineNaselleNeah BayNeiltonNespelemNewman LakeNewportNine Mile FallsNooksackNordlandNorth BendNorth BonnevilleNorth LakewoodNorthportOak HarborOakesdaleOakvilleOcean ParkOcean ShoresOdessaOkanoganOlallaOlgaOlympiaOmakOnalaskaOrcasOrientOrondoOrovilleOrtingOthelloOtis OrchardsOutlookOystervillePacificPacific BeachPackwoodPalisadesPalouseParadise InnParkerParklandPascoPaterosPatersonPe EllPeshastinPlymouthPoint RobertsPomeroyPort AngelesPort GamblePort HadlockPort LudlowPort OrchardPort TownsendPoulsboPrescottPrestonProsserPullmanPuyallupQuilceneQuinaultQuincyRainierRandleRavensdaleRaymondReardanRedmondRedondoRentonRepublicRetsilRiceRichlandRidgefieldRitzvilleRiversideRochesterRock IslandRockfordRockportRollingbayRonaldRooseveltRosaliaRosburgRoslynRoyRoyal CityRyderwoodSaint JohnSalkumSammamishSatsopSeabeckSeahurstSeattleSeaviewSedro WoolleySekiuSelahSequimShaw IslandSheltonShorelineSilvanaSilver CreekSilverdaleSilverlakeSkamokawaSkykomishSnohomishSnoqualmieSnoqualmie PassSoap LakeSouth BendSouth Cle ElumSouth ColbySouth PrairieSouthworthSpanawaySpangleSpokaneSpragueSpringdaleStanwoodStarbuckStartupStehekinSteilacoomSteptoeStevensonStratfordSultanSumasSumnerSunnysideSuquamishTacomaTaholahTahuyaTekoaTeninoThorntonThorpTietonTokelandToledoTonasketToppenishTouchetToutleTracytonTrout LakeTumtumTumwaterTwispUnderwoodUnionUniontownUniversity PlaceUskVaderValleyValleyfordVancouverVantageVashonVaughnVeradaleWahkiacusWaitsburgWaldronWalla WallaWallerWallulaWapatoWardenWashougalWashtucnaWatervilleWaucondaWaunaWaverlyWellpinitWenatcheeWest RichlandWestportWhite SalmonWhite SwanWilburWilkesonWilson CreekWinlockWinthropWishramWoodinvilleWoodlandYacoltYakimaYelmZillahOther Mortgage Rate Deals
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