Home Mortgage Loans
WaFd Bank has been helping generations of families own their homes for over 105 years. Whether you're buying, building, or refinancing, our friendly and knowledgeable loan officers are here for you every step of the way. You can apply online, securely upload your documents, and receive updates in our secure online portal. As an added bonus, if interest rates go down in the future we offer low-cost modification and refinancing options to existing mortgage clients.
Ask us about special programs, including asset-based loans, lower down payment options, custom construction and loans for manufactured homes, large acreage and unusual properties.
Home Loan Calculator
Estimated Monthly Payment
Other Loan Calculators
- Payments quoted do not include taxes & insurance, so actual payments may be higher. Loans are subject to credit approval. Restrictions and limitations may apply.
- Rates for owner occupied homes only. This calculator is for educational purposes only, and may not represent WaFd Bank's lending program requirements.
Make Your Offer Stand Out with a Home Loan Pre-Approval*
A verified Pre-Approval gives you the confidence of knowing how much house you can afford. Our Pre-Approval program is verified by our Underwriting Team, and lets sellers know you're a serious buyer who can qualify for the house you are interested in.
*WaFd Bank Pre-Approvals are based on verified credit, income, and employment verification.
Save Up to $600 on Closing Costs With a Checking Account From WaFd Bank*
*To qualify for the maximum $600 discount, before closing documents are prepared you must (1) have or open the WaFd checking account, (2) register for EZ-Pay from the new checking account, and (3) sign up for direct deposit of at least one form of a monthly recurring source of income.
Buy Your New Home Now, Sell Your Current Home Later
Need the equity in your current house to buy your new home? With our cross-collateral home loan, you won't need to make your offer to buy a new home contingent on selling your existing one.
Benefits of Working With WaFd Bank
Benefits of Working With WaFd Bank
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We're Here for You
From submitting your application through closing and beyond
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Competitive Rates
We have competitive mortgage rates and will be with you every step
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Apply for a Loan Online
You can quickly and securely apply online in minutes
Frequently Asked Questions
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12 Important Steps to Buying a Home
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How Do Banks Approve You for a Mortgage?
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Best Way to Buy a House for First-Time Home Buyers
Want more help? Come See Us.
If you're a first time home buyer and have done all your research but want help, just stop by. We're nearby, and we'll sit down with you and answer any questions you may have.
Awarded America's Best Big Bank - Three Years in a Row
Best Big Bank in Washington, Idaho, New Mexico
Awarded America's Best-in-State Bank
Best-in-State Bank in Washington, Nevada, New Mexico
Awarded America's Best Big Bank - Three Years in a Row
Best Big Bank in Washington, Idaho, New Mexico
Awarded America's Best-in-State Bank
Best-in-State Bank in Washington, Nevada, New Mexico