Mortgage Loans

100% Financing Options

Purchase or Refinance

Mortgage Loan Overview

Buying a home should be exciting. Refinancing a home should flow as smoothly as possible. No matter which scenario is yours, it's our job and our pleasure to make your mortgage experience the best it can be. We'll be with you every step of the way, keep you in the loop on the progress of your mortgage loan approval and of course, we'll be happy to answer any questions you have.

Mortgage Loan Features & Benefits
  • Competitive fixed and adjustable rates
  • 100% financing options available
  • Experienced Home Loan Consultants
  • Manage your mortgage with Online Banking and Mobile Banking
Mortgage Loan Rates
Loan Rate Points APR* Assumptions
30 Year Fixed Rate 3.625 0 3.730 Assumptions

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Olympia, WA and is within Thurston county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

At a 3.625% interest rate, the APR for this loan type is 3.730%. The monthly payment schedule would be:

  • 359 payments of $1,368.15 at an interest rate of 3.625%
  • 1 payment of $1,369.46 at an interest rate of 3.625%

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.

15 Year Fixed Rate 2.875 0 3.060 Assumptions

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Olympia, WA and is within Thurston county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

At a 2.875% interest rate, the APR for this loan type is 3.060%. The monthly payment schedule would be:

  • 179 payments of $2,053.76 at an interest rate of 2.875%
  • 1 payment of $2,053.28 at an interest rate of 2.875%

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 3.000 0 3.749 Assumptions

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $300,000 and an estimated property value of $400,000. The property is located in Olympia, WA and is within Thurston county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740.

At a 3.000% initial interest rate, the APR for this loan type is 3.749%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

  • 60 payments of $1,264.81 at an interest rate of 3.000%
  • 299 payments of $1,407.84 at an interest rate of 4.000%
  • 1 payment of $1,408.55 at an interest rate of 4.000%

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.

*Annual Percentage Rate
Rates are subject to change at any time
More Rates & Disclosures

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Meet the Home Loan Consultants

Tanya Hill
Tanya Hill

Senior Home Loan Consultant
NMLS Lic. #: 378421

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Roger Dunn
Roger Dunn

Home Loan Consultant
NMLS Lic. #: 531946

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Jill Marty-Wattree
Jill Marty-Wattree

Home Loan Consultant
NMLS Lic. #: 674093

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Cindy Schaumburg
Cindy Schaumburg

Senior Home Loan Consultant
NMLS Lic. #: 198603

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Member Story
Angela K.

I want to give a big thank you to David Hemenway at the Tumwater branch for his outstanding service! We just finished refinancing our home and I can honestly say I have never worked with a more competent and professional loan officer than he. Thank you for making this such a smooth process, David. We appreciate you, and the fantastic work you do!