Refinance in Kitsap County, WA

Are you looking to lower your monthly mortgage payment? Or change the length of your loan term?

With current interest rates at near record lows, now is the perfect time to refinance your home and lower your monthly payments. And for the rest of 2021, our refinance loans have no administration fees.

Our team of local mortgage experts can walk you through your refinance options, so you get a clear picture of your potential savings. Refinancing options are available on all property types including primary residencies, secondary homes, or investment properties.

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

Refinance rates as low as:

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 3.250% 3.309% 0.250 $300,000.00 $1,305.62
15-year Fixed Rate Refinance 2.625% 2.714% 0.125 $300,000.00 $2,018.07

Interest Rates Effective: 12/02/2021

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 Cash-out Refinance 3.375% 3.445% 0.375 $300,000 includes $100,000 cash out $1,326.29
15-year Fixed Cash-out Refinance 2.750% 2.874% 0.375 $300,000 includes $100,000 cash out $2,035.86

Interest Rates Effective: 12/02/2021

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 such as Central Kitsap Food Bank, Silverdale Chamber of Commerce, Bainbridge Island Senior Community Center, Bainbridge Island Museum of Art, and Boys and Girls Club of Bainbridge Island. 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.

 

Bainbridge Island Branch

323 NE High School Rd, #7
Bainbridge Island, WA 98110

Silverdale - Bucklin Hill Branch

3035 NW Bucklin Hill Road Silverdale WA 98383

Bellevue Branch

1100 Bellevue Way NE, Unit 6
Bellevue, WA 98004

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Zip code is required to assess if it is a jumbo loan. We serve all of Washington.