Buy a Home

Are you looking to purchase a home? Get a custom quote!

Whether you are buying your first starter home or upgrading to the house of your dreams, our local mortgage experts can guide you through the process to find the best options for your needs. At First Fed, we want to help you realize your homeownership dreams while maintaining financial wellbeing.

Ready to apply? With our quick and easy online application, you can apply for a mortgage at your convenience, day or night.

Apply Online              Get a Custom Quote


Questions? Connect with one of our  Mortgage Loan Officers to review your home buying options.


Special Buy and Refi Offer

Buy with us and if mortgage rates drop, you’ll get a credit up to $5,000 off the refinance closing costs with First Fed.

How it works:

  • Buy with First Fed 
  • If rates fall and you are ready to refinance, apply with First Fed.  If the transaction meets all of the terms of eligibility, you will receive a half point (0.500%) lender credit towards your closing costs.

Terms of Eligibility:

  • The refinance will pay off a current First Fed Portfolio Mortgage. OR
  • The refinance will pay off a purchase or construction mortgage originated by First Fed Bank with a funded date on or after 01/01/2022 through 06/30/2024.


  • Application date for the refinance must be 150 days or more after the funded date of the initial mortgage and prior to 12/31/2025.
  • The refinance transaction must be for the same property as the initial mortgage.
  • Land/lot loans are not applicable.
  • The refinance transaction must be a fixed rate loan.  
  • No restrictions on loan type (conventional, USDA, VA, etc.)
  • No restrictions on occupancy.
  • The refinance transaction must meet all terms of eligibility and underwriting requirements for the selected product, program, and investor guidelines at the time of refinance.

Refinance Credit Offer Terms

  • A general lender credit of 0.500% of the total refinance loan amount will be credited to the loan closing costs, not to exceed $5,000.
  • The credit will be applied on the Closing Disclosure after the loan has met all terms of eligibility stated above.


Fixed rates for buying a home as low as:



15-year Fixed Rate Purchase

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30-year Fixed Rate Purchase

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Jumbo Loan Rates

Is your home loan more than $766,550? Or more than $977,500 in King, Pierce, or Snohomish counties?

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 6.990% 7.039% 0.000 $300,000.00 $1,993.89
15-year Fixed Rate Purchase 6.875% 6.955% 0.000 $300,000.00 $2,675.56

Interest Rates Effective: 5/24/2024

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.

Get a Custom Loan Quote

Please provide the following information so that we can provide multiple options tailored to your needs.