Mitchell Icard, Mortgage Loan Officer

Mitchell Icard

Mortgage Loan Officer
NMLS# 1200671
President's Club
[email protected]
360-308-2345

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Mitchell Icard is an experienced and knowledgeable mortgage lender. Whether you are building, purchasing, or refinancing a home, Mitch will provide the expert advice and friendly attitude that it takes to get the deal done. With over a decade of experience in finance, Mitch is known for solving complicated problems with creative solutions for his clients.

Mitchell studied Economics at University of Hawaii. After college, Mitchell returned to his hometown of Kingston in Western Washington to raise his family in one of the most beautiful places on earth.  In his free time, Mitchell loves spending time on the water, sailing and fishing with his wife and toddler twin boys.



Request a Custom Quote from Mitchell

 

Mortgage rates as low as:

5.191%

APR

30-year Fixed Rate Purchase

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5.026%

APR

15-year Fixed Rate Refinance

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5.383%

APR

15-year Fixed Cash-out Refinance

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5.442%

APR

30-year Fixed Rate Construction

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Start Your Loan Application Online

Apply for preapproval, purchase, refinance, or construction loans.

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Example Documentation Checklist

  • Proof of identity: Driver's license or other government-issued photo ID, SSN, signature
  • Proof of Income: W-2 wage statements from past two years
  • Proof of asset: Bank statements and/or investment account statements
  • Employment verification: Pay stubs or business statements for self-employment
  • Credit report will be pulled during the application based on ID provided

Purchase: Conforming Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Purchase 5.125% 5.191% 0.250 $300,000.00 $1,633.46
15-year Fixed Rate Purchase 4.750% 4.882% 0.375 $300,000.00 $2,333.50

Interest Rates Effective: 08/11/2022

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Jumbo: Purchase Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Jumbo Purchase 4.750% 4.800% 0.250 $900,000 $4,694.83
15-year Fixed Rate Jumbo Purchase 4.375% 4.499% 0.500 $900,000 $6,827.58

Interest Rates Effective: 08/11/2022

Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Refinance: Rate-and-Term Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Refinance 5.375% 5.465% 0.500 $300,000.00 $1,679.91
15-year Fixed Rate Refinance 4.875% 5.026% 0.500 $300,000.00 $2,352.89

Interest Rates Effective: 08/11/2022

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.

Refinance: Cash-out Refi Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Cash-out Refinance 5.625% 5.705% 0.375 $300,000 includes $100,000 cash out $1,726.97
15-year Fixed Cash-out Refinance 5.250% 5.383% 0.375 $300,000 includes $100,000 cash out $2,411.63

Interest Rates Effective: 08/11/2022

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 740. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs. 

Construction Loan Rates

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Loan Term Interest Rate APR Discount Points Ex: Loan Amount Ex: Monthly Payment
30-year Fixed Rate Construction 5.375% 5.442% 0.250 $300,000 $1,679.91
15-year Fixed Rate Construction 5.000% 5.151% 0.500 $300,000 $2,372.38

Interest Rates Effective: 08/11/2022

Assumes a custom construction of an owner-occupied single-family residence with a loan amount of $300,000 based on a finished value of $400,000.  Loan terms include a 12-month construction period with interest only payments based on funds as they are used for construction.  Converts to a monthly fixed P&I payment at the end of the construction period.  APR *(Annual Percentage Rate) is based on loan amount and interest rate. Examples of monthly P & I payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs. 

 

Interested in other financing options? See all mortgage rates.