Refinance Your Home Mortgage at a Competitive Rate

Jeff Amira

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Branches served:

Seattle Fairview

Rick Borovec

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Branches served:

Chehalis

Chris Brooks

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Branches served:

Dash Point and Lakewood

Cameron Brookshire

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Branches served:

Spokane, Spokane Valley, Ellensburg, Pullman Bishop, Pullman CUB and Yakima

Mark Evans

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Branches served:

Seattle U-District

William Griffin

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Branches served:

Martin Way and Olympia

Tanya Hill

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Branches served:

Lacey Credit Union Center and Puyallup

Summer Johnson

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Branches served:

Everett

Alan Pust

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Branches served:

West Olympia

Cindy Schaumburg

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Branches served:

Tumwater Town Center and Tumwater Trosper

Carole Sullivan

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Branches served:

Bellevue

Milo Young

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Branches served:

Medical Lake and Spokane Division

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

Mortgage Refinance Calculator

How much will my monthly payment be?

Enter how much you are looking to borrow and let us calculate your monthly payment.

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How much would you like to borrow?

This could include your current mortgage balance plus any additional funds you may need.

$

Enter in a dollar amount between $50,000 and $1,000,000. Want to borrow more or less than this? Give us a call and see if we can help.

Loan Information

Loan Amount

Enter in a dollar amount between $50,000 and $1,000,000. Want to borrow more or less than this? Give us a call and see if we can help.

Interest Rate

Enter in a number between 1 and 10.

Loan Term

Property Tax per Year

Enter in a dollar amount

Home Insurance per Year

Enter in a dollar amount

HOA Fees

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Monthly Payment Breakdown

Monthly Payment Total

Principal & Interest

Taxes & Insurance

HOA Fees

Total

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When using the calculator, please remember the dollar amounts displayed aren’t guaranteed, and what you actually pay may be different. The estimates you receive are for illustrative and educational purposes only. The results of any loan calculator are not intended to be and should not be considered a decision of, or a commitment to the loan type or amount for which you may qualify. Estimated property tax rate is 1.10%, actual property tax rate will be based the county in which the property is located.

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Mortgage Review

New Purchase

Refinance

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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 .50%, with $1,254.00 in finance charges.

At a 6.125% interest rate, the APR for this loan type is 6.269% Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

180 payments of $2,551.87

Here's what you'll need to get started.

Estimate your monthly payment with our Mortgage Refinance Calculator.

20-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 .50%, with $1,254.00 in finance charges.

At a 6.500% interest rate, the APR for this loan type is 6.616%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

240 payments of $2,236.72

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 75 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 (2.25%) 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 7.30% (5.05% 1 Year Treasury + 2.25% 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 .50%, with $1,254.00 in finance charges.

At a 7.00% interest rate, the APR for this loan type is 7.091%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

360 payments of $1,995.91

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 $650,000 and an estimated property value of $812,500 (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 .625%, with $1,099.00 in finance charges.

At a 6.250% interest rate, the APR for this loan type is 6.325%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:

360 payments of $4,008.33

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 75 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 75 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.

Important Notifications

Mortgage Refinance

Possibilities for the home you already own

Mortgage Refinance Calculator

How much will my monthly payment be?

How much would you like to borrow?

Loan Information

Monthly Payment Breakdown

Fixed Rate Mortgage Loans

Fixed Rates

How To Apply

Jumbo Fixed Rate Loans

Jumbo 30-Year Fixed Rate

Jumbo Fixed Rate Loans

How To Apply

Adjustable Rate Mortgage Loans (ARM)

Adjustable Rate Mortgage Loans (ARM)

Adjustable Rate Mortgage Rates

How To Apply

Footnotes

Related Resources

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Mortgage assistance and support for homeowners

Mortgage Purchase Calculator

Mortgage Refinance Calculator

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