Washington Federal Savings

Choosing a home loan should involve more than finding the lowest rate or lowest monthly payment. We take the time to ask about your long-range goals:

Whatever your goals, we can help you select financing that works with your budget. Find a loan officer near you.

Get Pre-Approved before you shop for a home.

We’ll meet with you at your convenience.
You’ll receive true credit-approved status.
Once you find the perfect house, all we need to order is the title and appraisal.
You focus on packing, not financing.

If you have good credit, but have trouble saving for a down payment, we have programs that not only help you buy now, but help you buy smart.

Our Zero-Down Loan is a single, fixed-rate loan with no income limits or first-time buyer restrictions. Most lenders say they offer zero-down financing, but many require that you get two different loans.
The 97% Loan allows you to buy with just 3% down. It’s easier than an FHA loan, with fewer restrictions and standard pricing.
If you’re putting less than 20% down, you can avoid paying private mortgage insurance with our Self-Insurance feature. Ask us how it could save you money each month and at tax time.
Enhance your purchasing power with our 3-Year and 5-Year Convertible Loans. Unlike ARMs, which may offer a low rate the first few years, then adjust annually, our Convertible Loans offer you a below-market rate for the first 3 or 5 years, after which the loan converts to a market-adjusted fixed rate.

If you’re considering refinancing to lower your interest costs, make improvements or consolidate debt, we can help.
We’re responsive, professional and local.
You can reach the nearest branch by phone, email or in person.
You won’t have to start over with a new loan whenever your financial priorities change.
As a current Washington Federal borrower, you can change certain terms of your loan without refinancing, so you preserve more of your equity.
Rate Modifications can lower the rate on your existing loan with us without refinancing.
The Additional Advance program allows you to tap into your equity by adding a lump sum to your existing first mortgage (not available in TX).

If you have a lot of cash for a down payment, our Tax-Assessed Loan can save you both time and money.
By relying on the tax-assessed value, you can eliminate the need for a formal appraisal.
It’s also a smart way for those with substantial home equity to refinance.

Don’t lose out on your perfect home because you haven’t sold your current house.
Our Cross-Collateral Bridge Loan lets you borrow up to 100% of the value of your new home, depending on the equity you have in your current home.
Enjoy the peace of mind that comes with a fixed-rate loan.
Qualify based on the projected payment of your new home only, not both homes.
Pay down the loan when you sell your current home.