Mortgages should be flexible.

Our low-risk mortgages come with fixed rates or protection against payment increases.

Home Mortgage Loans

WaFd Bank has been a recommended mortgage lender for over a century, helping generations of families to own their own homes. Whether youre purchasing or refinancing, our local loan officers are ready to assist. You can apply online, securely upload documents and receive status updates via our online portal. Clients who also bank with us receive discounts on closing costs when mortgage payments are pulled from a WaFd Bank checking account. And, if interest rates go down in the future, WaFd offers low-cost modification and refinancing options to our existing mortgage clients.

Stuck trying to sell your home before you can buy a new one? Our cross-collateral program can bridge the gap and eliminate the need to make an offer on a new home contingent on selling your existing one.

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.