7/6 ARM
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 point of .50%, with $1,939 in finance charges.
- After the initial fixed rate period ends, your interest rate may change every six months. Your rate will be based on the current index (SOFR) and margin (3.00%) stated on your loan NOTE. Ex. SOFR was 4.50% as of 2/24/23. If your rate changed on 2/24/23, it would adjust to 7.50% (4.50% SOFR index + 3.00% margin).
At a 5.750% interest rate, the APR for this loan type is 6.677%. Payments do not include amounts for taxes and insurance premiums, if applicable. The monthly payment schedule would be:
84 payments of $1,750.72
276 payments of $2,038.24
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5/6 ARM
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 .50%, with $1,939 in finance charges.
- After the initial fixed rate period ends, your interest rate may change every six months. Your rate will be based on the current index (SOFR) and margin (3.00%) stated on your loan NOTE. Ex. SOFR was 4.50% as of 2/24/23. If your rate changed on 2/24/23, it would adjust to 7.50% (4.50% SOFR index + 3.00% margin).
At a 5.50% interest rate, the APR for this loan type is 6.782%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
60 payments of $1,703.37
300 payments of $2,049.83
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Jumbo 30-Year Fixed Rate
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $760,000 and an estimated property value of $950,000 (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 740 and includes discount points of 0.250 with $1,969 in finance charges
At a 6.750% interest rate, the APR for this loan type 6.810%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $4,929.35
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15/1 ARM
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 0.50%, with $1,939 in finance charges.
- After the initial fixed rate period ends, your interest rate may change. Your rate will be based on the current index (1 Year Treasury) and margin (3.00%) stated on your loan NOTE. Ex. 1 Year Treasury CMT Weekly was 5.05% as of 2/24/2023. If your rate changed on 2/24/2023, it would adjust to 8.05% (5.05% 1 Year Treasury + 3.00% margin).
At a 6.125% interest rate, the APR for this loan type is 6.507%. Payments do not include amounts for taxes and insurance premiums, if applicable. The monthly payment schedule would be:
180 payments of $1,822.70
180 payments of $2,032.34
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15-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 0.500 with $1,939 in finance charges.
At a 6.500% interest rate, the APR for this loan type is 6.723%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
180 payments of $2,613.32
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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
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20-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 6.875% interest rate, the APR for this loan type is 7.040%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
240 payments of $2,303.44
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FHA 30-Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,750 and an estimated property value of $350,000 (96.5% 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 720 and includes a 1.75% upfront mortgage insurance, and includes discount points of 0.375 with $1,939 in finance charges.
At a 6.125% interest rate, the APR for this loan type is 6.969%. Payments do not include taxes and insurance premiums. The monthly payment schedule would be:
360 payments of $2,206.16
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FHA 20-Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,750 and an estimated property value of $350,000 (96.5% 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 720 and includes a 1.75% upfront mortgage insurance, and includes discount points of 0.375 with $1,939 in finance charges.
At a 6.125% interest rate, the APR for this loan type is 7.060%. Payments do not include taxes and insurance premiums. The monthly payment schedule would be:
240 payments of $2,597.13
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FHA 15-Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,750 and an estimated property value of $350,000 (96.5% 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 720 and includes a 1.75% upfront mortgage insurance, and includes discount points of 0.250 with $1,939 in finance charges.
At a 6.625% interest rate, the APR for this loan type is 7.487%. Payments do not include taxes and insurance premiums. The monthly payment schedule would be:
180 payments of $3,075.95
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VA 30-Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $350,000 and an estimated property value of $350,000 (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 720 and includes discount points of 0.375 with a VA funding fee of 2.3%.
At a 6.375% interest rate, the APR for this loan type is 6.713%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $2,183.54
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VA 20-Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $350,000 and an estimated property value of $350,000 (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 720 and includes discount points of 0.375 with a VA funding fee of 2.3%.
At a 6.375% interest rate, the APR for this loan type is 6.820%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
240 payments of $2,583.81
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VA 15-Year Fixed
The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $350,000 and an estimated property value of $350,000 (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 720 and includes discount points of 0.500 with a VA funding fee of 2.3%.
At a 6.625% interest rate, the APR for this loan type is 7.208%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
180 payments of $3,072.98
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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