Refinance in Whatcom County, WA

Refinance Your Mortgage

First Fed offers a variety of options for the refinancing of your primary residence, manufactured home, second home, or your rental/investment home. You can select fixed or adjustable interest rate options with a maximum loan term of 30 years. Cash-out options are available.

Could refinancing be right for you?

Refinancing could potentially:

  • Lower your monthly payment or help you pay off your loan quicker
  • Allow you to consolidate debt
  • Provide access to funds with cash-out refinancing
  • Include closing costs within your refinance

NOTE: All terms and conditions are subject to change without notice.

 

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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 2.875% 2.933% 0.250 $300,000.00 $1,244.68
15-year Fixed Rate Refinance 2.250% 2.355% 0.250 $300,000.00 $1,965.25

Interest Rates Effective: 07/22/2021

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 Rate Refinance 2.990% 3.058% 0.375 $300,000 includes $100,000 cash out $1,263.19
15-year Fixed Rate Refinance 2.375% 2.516% 0.500 $300,000 includes $100,000 cash out $1982.76

Interest Rates Effective: 07/22/2021

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. 

First Fed is #ProudlyPNW

First Fed is a local community bank which has served customers and communities since 1923. We have been voted "Best Bank" for 25 years in the Peninsula Daily News. In 2020, we donated over $1 million through our bank and foundation to non-profit organizations like Bellingham Food Bank, Bellingham Whatcom Chamber of Commerce, Whatcom Hospice Foundation, and Boys and Girls Club of Whatcom County. Also, our team volunteered over 2,400 hours.

Currently First Fed has 13 locations across Washington - Bainbridge Island, Bellingham, Forks, Port Angeles, Port Townsend, Seattle, Sequim, and Silverdale. Two new branches will be opening in Bellevue and Ferndale in summer 2020.

 

Barkley Branch 300x300

Bellingham - Barkley Boulevard Branch

1270 Barkley Boulevard Bellingham, WA 98226

Fairhaven Branch 300x300

Bellingham - Fairhaven Branch

960 Harris Avenue #101 Bellingham, WA 98225

Ferndale Branch 300x300

Ferndale Branch - New in Summer 2021

1860 Main St Ferndale, WA 98248

 

Need more information? Contact our Mortgage Loan Officers to discuss your options and let us help guide you through this process.

 

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