Here's What You'll Need
Mortgage, Home Equity and Equity Line of Credit
- SSN or ITIN
- Date of Birth
- Address
- Employment information and income
- Approximate total debt
Here are some of the things we may ask for later in the process:
- Paystubs for the last 30 days
- 2 most recent W-2s
- 2 most recent tax returns
- 2 most recent bank statements
- Homeowners insurance declarations page
30-Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $375,000 (80% LTV). The property is located in Olympia, WA and is within Thurston County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and assumed credit score is 750 and includes discount points of 0.375 with $1,939 in finance charges.
At a 7.375% interest rate, the APR for this loan type is 7.505%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $2,072.03
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Calculator.
Jumbo 30-Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $732,000 and an estimated property value of $915,000 (80% LTV). The property is located in Olympia, WA and is within Thurston County. The property is an existing single-family home and is used as a primary residence. The rate lock period is 45 days and assumed credit score is 740 and includes discount points of .625%, with $1,099 in finance charges.
At a 6.250% interest rate, the APR for this loan type is 6.323%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $4,525.57
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Calculator.
Zero Down 30-Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $550,000 and an estimated property value of $550,000 (100% LTV). The property is located in Olympia, WA and is within Thurston County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days and assumed credit score is 740 and includes discount points of 0.500.
At a 7.625% interest rate, the APR for this loan type is 7.793%. The monthly payment schedule would be:
360 payments of $3,892.87 (principal and interest) + $0.00 (private mortgage insurance) which falls off when original LTV reaches 78% LTV.
Estimated monthly payments do not include taxes and insurance which will result in a higher monthly payment.