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
For a detailed list of documentation, see our Mortgage Application Document Checklist.
15-Year Fixed Rate
The information provided assumes the purpose of the loan is to refinance (an) existing loan(s) secured by real 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 is 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 6.375% interest rate, the APR for this loan type is 6.578%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
180 payments of $2,592.75
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
15/1 ARM
The information provided assumes the purpose of the loan is to refinance (an) existing loan(s) secured by real 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 is 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 $1,248.00 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 2/24/23. If your rate changed on 2/24/23, 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
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
30-Year Fixed Rate
The information provided assumes the purpose of the loan is to refinance (an) existing loan(s) secured by real 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 is 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 Refinance Calculator.
Jumbo 30-Year Fixed Rate
The information provided assumes the purpose of the loan is to refinance (an) existing loan secured by real property, with a loan amount of $770,000 and an estimated property value of $1,100,000 (70% 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 0.500, with $1,969 in finance charges.
At a 7.000% interest rate, the APR for this loan type is 7.085%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $5,122.83
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
5/6 ARM
The information provided assumes the purpose of the loan is to refinance (an) existing loan(s) secured by real 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 is 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 $1,248.00 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
payments of $2,049.83
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
7/6 ARM
The information provided assumes the purpose of the loan is to refinance (an) existing loan(s) secured by real 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 is 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 $1,248.00 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
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
