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
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 740.
At a 4.25% interest rate, the APR for this loan type is 4.475%. The monthly payment schedule would be:
- 179 payments of $2256.84 at an interest rate of 4.25%; and
- 1 payment of $2256.84 at an interest rate of 4.25%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
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 740.
At a 4.625% interest rate, the APR for this loan type is 4.866%. The monthly payment schedule would be:
- 239 payments of $1918.25 at an interest rate of 4.625%; and
1 payment of $1918.25 at an interest rate of4.625%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
3-Year Adjustable 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 740.
At a 4.00% interest rate, the APR for this loan type is 4.892%. The monthly payment schedule would be:
- 359 payments of $1432.25 at an interest rate of 4.00%; and
- 1 payment of $1432.25 at an interest rate of 4.00%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
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 740.
At a 4.75% interest rate, the APR for this loan type is 4.928%. The monthly payment schedule would be:
- 359 payments of $1564.94 at an interest rate of 4.75%; and
- 1 payment of $1564.94 at an interest rate of 4.75%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
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 $500,000 and an estimated property value of $675,000 (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 740.
At a 5.00% interest rate, the APR for this loan type is 5.036%. The monthly payment schedule would be:
- 359 payments of $2684.11 at an interest rate of 5.00%; and
- 1 payment of $2684.11 at an interest rate of 5.00%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
5-Year Adjustable 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 740.
At a 4.125% interest rate, the APR for this loan type is 4.806%. The monthly payment schedule would be:
- 359 payments of $1453.95 at an interest rate of 4.125%; and
- 1 payment of $1453.95 at an interest rate of4.125%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
7-Year Adjustable 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 740.
At a 4.25% interest rate, the APR for this loan type is 4.765%. The monthly payment schedule would be:
- 359 payments of $1475.82 at an interest rate of 4.25%; and
- 1 payment of $1475.82 at an interest rate of 4.25%.
If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums.
