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.
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 assumed credit score is 750 and includes discount points of 0.375, with $2,763 in finance charges.
At a 6.250% interest rate, the APR for this loan type is 6.456%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
180 payments of $2,572.27
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
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 assumed credit score is 750 and includes discount points of .50%, with $2,763 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.
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 assumed credit score is 750 and includes discount points of 0.500, with $2,763 in finance charges.
At a 7.250% interest rate, the APR for this loan type is 7.395%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $2,046.53
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
The information provided assumes the purpose of the loan is to refinance (an) existing loan secured by real property, with a loan amount of $810,000 and an estimated property value of $1,180,000 (68.64% 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 assumed credit score is 740 and includes discount points of 0.500, with $2,803 in finance charges.
At a 7.000% interest rate, the APR for this loan type is 7.084%. Payments do not include taxes and insurance premiums, if applicable. The monthly payment schedule would be:
360 payments of $5,388.95
Here's what you'll need to get started.
Estimate your monthly payment with our Mortgage Refinance Calculator.
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 assumed credit score is 750 and includes discount points of .50%, with $2,763 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.
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 assumed credit score is 750 and includes discount points of .50%, with $2,763 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.
