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Washington Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in Washington

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4.750% Rate

30 Yr. Fixed

5.010% APR

$782 / month (est)

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Updated 10/19/2018

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5.750% Rate

30 Yr. Fixed

5.838% APR

$906 / month (est)

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Updated 10/22/2018

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5.625% Rate

30 Yr. Fixed

5.782% APR

$894 / month (est)

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Updated 10/22/2018

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  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
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HARP 2.0 Refinance Loan 3.1% FIXED
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Washington Interest Rates as low as 4% (4.708APR)
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See if You Qualify for $100k (or a Year's Worth of Mortgage Payments)
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Washington Mortgages

Bellevue, Everett, Seattle, and Spokane all seem to have lifetime memberships on many "best places to live" lists. Education, natural beauty, health care, recreation, and culture are tops in these towns. With competitive WA mortgage rates, you may be able to afford your dream home, save money with a refinance, or take out a home equity loan for major renovations.

Mortgage lenders in the state of Washington answer to the Washington State Department of Financial Institutions. To get licensed in Washington, mortgage lenders must meet strict requirements and and be investigated by the FBI. Those with bad credit histories or brushes with the law are not generally granted licenses. To find licensed Washington lenders and compare their current WA mortgage rates, check on HSH.com. This site's mortgage calculators can help you see how Washington mortgage rates affect your loan payment, even before you pick up the phone.

Washington Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

For Washington, 35 counties have a conventional loan limit at $453,100 and 4 counties have limits ranging from $483,000 to $667,000.

2018 Conventional loan limits for Washington

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Adams$453,100$580,150$701,250$871,450
Asotin$453,100$580,150$701,250$871,450
Benton$453,100$580,150$701,250$871,450
Chelan$453,100$580,150$701,250$871,450
Clallam$453,100$580,150$701,250$871,450
Clark$453,100$580,150$701,250$871,450
Columbia$453,100$580,150$701,250$871,450
Cowlitz$453,100$580,150$701,250$871,450
Douglas$453,100$580,150$701,250$871,450
Ferry$453,100$580,150$701,250$871,450
Franklin$453,100$580,150$701,250$871,450
Garfield$453,100$580,150$701,250$871,450
Grant$453,100$580,150$701,250$871,450
Grays Harbor$453,100$580,150$701,250$871,450
Island$453,100$580,150$701,250$871,450
Jefferson$453,100$580,150$701,250$871,450
King$667,000$853,900$1,032,150$1,282,700
Kitsap$453,100$580,150$701,250$871,450
Kittitas$453,100$580,150$701,250$871,450
Klickitat$453,100$580,150$701,250$871,450
Lewis$453,100$580,150$701,250$871,450
Lincoln$453,100$580,150$701,250$871,450
Mason$453,100$580,150$701,250$871,450
Okanogan$453,100$580,150$701,250$871,450
Pacific$453,100$580,150$701,250$871,450
Pend Oreille$453,100$580,150$701,250$871,450
Pierce$667,000$853,900$1,032,150$1,282,700
San Juan$483,000$618,300$747,400$928,850
Skagit$453,100$580,150$701,250$871,450
Skamania$453,100$580,150$701,250$871,450
Snohomish$667,000$853,900$1,032,150$1,282,700
Spokane$453,100$580,150$701,250$871,450
Stevens$453,100$580,150$701,250$871,450
Thurston$453,100$580,150$701,250$871,450
Wahkiakum$453,100$580,150$701,250$871,450
Walla Walla$453,100$580,150$701,250$871,450
Whatcom$453,100$580,150$701,250$871,450
Whitman$453,100$580,150$701,250$871,450
Yakima$453,100$580,150$701,250$871,450