Rate/Payment Disclosures

Mortgage Rates are Low. Lock in Your Rate Today. Rate Disclosure current as of December 13, 2018.

Conventional Loans

Conventional 30-Year Fixed:

Rates as low as 4.5% (4.5% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • Conventional 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
  • $225,000 loan amount, 70% loan-to-value, 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 30 years)
APR Monthly Payments
$225,000 4.5% 4.5% $1141

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

Conventional 15-Year Fixed:

Rates as low as 4.125% (4.125% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • Conventional 15-Year Fixed which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months.
  • $225,000 loan amount, 70% loan-to-value, 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 15 years)
APR Monthly Payments
$225,000 4.125% 4.125% $1679

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

FHA 30-Year Fixed:

Rates as low as 4.125% (5.117% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • FHA 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
  • $225,000 loan amount, 96.5% loan-to-value, 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 30 years)
APR Monthly Payments
$225,000 4.125% 5.117% $1110

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

VA Loans

VA 30-Year Fixed:

Rates as low as 4.25% (4.43% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • VA 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
  • $225,000 loan amount, 95% loan-to-value (0% down), 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 30 years)
APR Monthly Payments
$225,000 4.25% 4.43% $1131

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

VA 15-Year Fixed:

Rates as low as 4% (4.315% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • VA 15-Year Fixed which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months.
  • $225,000 loan amount, 100% loan-to-value (0% down), 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 15 years)
APR Monthly Payments
$225,000 4% 4.315% $1701

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

Terms that Apply to All Loans

  • Not available in all states.
  • Rates are subject to change daily and throughout the day without notice.
  • Neither this website nor its parent company is a lender.
  • The rates and payments shown do not factor in all your information. Your specific situation may warrant a higher rate and payment based on credit history, income, and many other factors. Speak to one of our mortgage professionals to get personalized rate and monthly payment quotes.
  • Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

VA Loans

VA 30-Year Fixed:

Rates as low as 4.25% (4.43% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • VA 30-Year Fixed which is a 30-year loan that has a fixed rate for the entire loan term of 30 years. The loan payments are due each month for 360 months.
  • $225,000 loan amount, 100% loan-to-value (0% down), 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 30 years)
APR Monthly Payments
$225,000 4.25% 4.43% $1131

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

VA 15-Year Fixed:

Rates as low as 4% (4.315% APR), which is an actual rate available to consumers from at least one member of MortgageRefinanceRates.org's lender network as of December 13, 2018.

Rate is based on the following assumptions:

  • VA 15-Year Fixed which is a 15-year loan that has a fixed rate for the entire loan term of 15 years. The loan payments are due each month for 180 months.
  • $225,000 loan amount, 100% loan-to-value (0% down), 740 credit score, property in WA, lock period of 30 days, debt-to-income ratio of 30% or less, escrow account applied (meaning your tax and insurance costs are collected monthly with your mortgage payment).

Payment Example:

Loan Amount Interest Rate
(Fixed for 15 years)
APR Monthly Payments
$225,000 4% 4.315% $1701

Payment shown does not include taxes, insurance, or HOA dues. Check these monthly costs on the home you own or will buy and add them to the above payment to determine your total housing payment.

Terms that Apply to All Loans

  • Not available in all states.
  • Rates are subject to change daily and throughout the day without notice.
  • Neither this website nor its parent company is a lender.
  • The rates and payments shown do not factor in all your information. Your specific situation may warrant a higher rate and payment based on credit history, income, and many other factors. Speak to one of our mortgage professionals to get personalized rate and monthly payment quotes.
  • Credit may exceed the fair market value of the dwelling. Interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

Savings estimates

  • Savings calculations based on reducing the mortgage rate from 5% to 4% on a $250,000 30-year fixed mortgage. Monthly savings are equal to $148 per month and $53,280 over 360 months.

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