Refinance Home Mortgage

Here's What You'll Need

Mortgage, Home Equity and Equity Line of Credit

SSN
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

Monthly Payment Total

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

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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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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 30 days and assumed credit score is 750 and includes discount points of .50%.

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 30 days and assumed credit score is 750 and includes discount points of .50%.

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 30 days and assumed credit score is 750 and includes discount points of .50%.

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 0.1200% as of 10/13/20. If your rate changed on 10/13/20, it would adjust to 2.870% (0.1200 1 Year Treasury + 2.750% margin)

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 30 days and assumed credit score is 750 and includes discount points of .50%.

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(s) 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 Seattle, WA and is within King County. The property is an existing single-family home and is used as a primary residence. The rate lock period is 30 days and assumed credit score is 750and includes discount points of .50%.

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

Estimate your monthly payment with our Mortgage Refinance Calculator.

5/1 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 30 days and assumed credit score is 750 and includes discount points of .50%.

After the initial fixed rate period ends, your interest rate may change. Your rate will be based on the current index (LIBOR) and margin (2.25%) stated on your loan NOTE. Ex. LIBOR was 0.3495% as of 10/13/20. If your rate changed on 10/13/20, it would adjust to 2.5995% (0.3495 LIBOR index + 2.25% margin).

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

Estimate your monthly payment with our Mortgage Refinance Calculator.

7/1 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 30 days and assumed credit score is 750 and includes discount points of .50%.

After the initial fixed rate period ends, your interest rate may change. Your rate will be based on the current index (LIBOR) and margin (2.25%) stated on your loan NOTE. Ex. LIBOR was 0.3495% as of 10/13/20. If your rate changed on 10/13/20, it would adjust to 2.5995% (0.3495 LIBOR index + 2.25% margin).

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

Estimate your monthly payment with our Mortgage Refinance Calculator.

Important Notifications

Branch Services Notification

COVID-19 Member Resources

Mortgage Refinance

Loan Processing Delays

Note regarding response times

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

Rate Statement

Related Resources

Resources

Homeowner Assistance

Mortgage Purchase Calculator

Mortgage Refinance Calculator

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