Purchase or Refinancing

You Deserve Good Advice.

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:

• Do you want to build equity?
• Pay off your home faster?
• Reduce your total interest costs?
• Plan for a remodel in a few years?
• Have the flexibility to pay for college or buy a new car?

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

How can we help you?
Review a loan application checklist.
Get pre-approved for a loan.
Refinance my current loan.
Move up without waiting until my current home sells.
Download an Application!

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.

Buy Smart. Now.

If you have good credit, but have trouble saving for a down payment or are a first-time home buyer; we have programs that not only help you buy now, but help you buy smart.

• Buy with as little as 5% down.
• 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.
• Ask us about our Great Start Loan for new home buyers.

We Make Refinancing Easy. Even Unnecessary.

• 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).

Moving Up? Don’t get Stuck Waiting For Your House to Sell.

• 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.

*Effective as of 10/19/09. Assuming a loan of $250,000, with a 20% down payment ($62,500) and a purchase price of $312,500, the principal and interest payment would be $1,419. On a 15-term loan, the principal and interest payment would be $2,026. Rate is available on owner-occupied loans under $500,000. Rates subject to change.

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