Mortgage Washington Today

: Ideal for those with credit scores as low as 580, requiring a 3.5% down payment.

The offers several programs to help with closing costs and down payments: Current Washington Mortgage & Refinance Rates - Bankrate mortgage washington

As of , the Washington mortgage market is characterized by stabilizing interest rates and a move toward a more balanced "buyer's market". While affordability challenges persist, various state-backed programs continue to provide paths to homeownership through down payment assistance and competitive loan structures. Current Mortgage Rates in Washington : Ideal for those with credit scores as

Borrowers in Washington can choose from several loan types based on their financial profile: Current Mortgage Rates in Washington Borrowers in Washington

Rates have remained relatively steady recently, showing a slight decrease from previous peaks. : 6.28% APR. 15-Year Fixed-Rate Mortgage : 5.49% APR. 5-Year Adjustable-Rate Mortgage (ARM) : 6.38% APR. FHA 30-Year Fixed : 5.99% (6.72% APR). VA 30-Year Fixed : 5.80% (5.80% APR). Washington State Mortgage Options

: Available to veterans and active military members with $0 down payment and no monthly mortgage insurance.

: Effective April 1, 2026, low-income borrowers in rural areas may qualify for a 5.00% fixed interest rate, potentially as low as 1% with payment assistance. Down Payment Assistance (DPA) Programs