Mortgage Rates in Oak Harbor, Washington30-Year Fixed mortgage rates in Oak Harbor, Washington are at 6.875% with 0.000% point(s), 15-Year Fixed mortgage rates in Oak Harbor, Washington are at 6.625% with 0.000% point(s), Current Oak Harbor, Washington fixed rate mortgages for a 15-Year Fixed mortgage are at 6.500% with 0.000% point(s). Oak Harbor, Washington Mortgage Rates:Search and compare mortgage rates and refinance rates in Oak Harbor, WA. Our rate table has a list of Oak Harbor, 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 Oak Harbor, Washington. Save money by using our free tool to find customized mortgage and refinance rates for Oak Harbor, 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 Oak Harbor, Washington you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Adjustable rates on 7/1 ARM loans in Oak Harbor, Washington with 0.000% point(s) are at 6.750%, Adjustable rates on 5/1 ARM loans in Oak Harbor, Washington with 0.000% point(s) are at 6.000%, Oak Harbor, Washington 10/1 ARM mortgage rates are at 6.500% 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 Oak Harbor, WA 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 Oak Harbor, WA listed below. Mortgage Rates in Oak Harbor, WA January 26, 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. Oak Harbor, Washington Lenders and Mortgage BrokersList your company here at no cost: Are you a lender or mortgage broker in Oak Harbor, Washington? Are you interested in having your company, contact information, website and logo listed here? Contact us at to find out how. Oak Harbor, Washington Real Estate AgentsList your contact information at no cost: Are you a real estate agent agent in Oak Harbor, Washington? You can list your company, contact information, website an logo here. Contact us to find out how. Oak Harbor, WA 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. Oak Harbor, WA 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 Oak Harbor, WA mortgage loans that have been made. As a result, Oak Harbor, WA 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. Oak Harbor, WA Super Conforming Home Loan RatesSuper conforming mortgages in Oak Harbor, WA 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. Oak Harbor, WA Jumbo Loan Interest RatesOak Harbor, WA 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 Oak Harbor, WA are usually 0.75 basis points higher than conforming mortgage rates in Oak Harbor, WA because there is no guarantee banks and credit unions can sell these mortgages after they make the loans. Oak Harbor, WA Fixed Rate MortgagesFixed rate mortgages are the most common mortgage available in Oak Harbor, WA. 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. Oak Harbor, WA Adjustable Interest RatesOak Harbor, WA 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. Oak Harbor, WA Interest Only Home Mortgage RatesOak Harbor, WA 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. Oak Harbor, WA FHA Mortgage Mortgage RatesBorrowers in Oak Harbor, WA must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Oak Harbor, WA 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. Oak Harbor, WA Rates & ResourcesOak Harbor, Washington Savings RatesOak Harbor, Washington CD Rates Oak Harbor, Washington Bank Branches Oak Harbor, Washington Credit Union Branches Oak Harbor, WA Mortgage ProductsOak Harbor, Washington Conforming Mortgage RatesOak Harbor, Washington Jumbo Mortgage Rates Oak Harbor, Washington Conforming Adjustable Mortgage Rates Oak Harbor, Washington Jumbo Adjustable Mortgage Rates Other Mortgage Rate Deals
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Mortgage Rates Stabilize This Morning: 30 Year Conforming Mortgage Rates and Refinance Mortgage Rates at 4.67%
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