Terri Wood, Mortgage Loan Officer
Terri Wood
Terri Wood has been assisting clients in Mortgage lending for over 30+ years and is focused on listening to the clients goals, and assisting them with a variety of loan programs. In her personal time, Terri enjoys spending time gardening, exploring the Olympic Peninsula, her grandkids, and family.
Request a Custom Quote from Terri
Mortgage rates as low as:
5.596%
APR
15-year Fixed Rate Purchase
6.095%
APR
30-year Fixed Rate Purchase
6.129%
APR
15-year Fixed Rate Jumbo Purchase
5.722%
APR
15-year Fixed Rate Refinance
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Apply for pre-approval, purchase, refinance, or construction loans.
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Documentation Checklist
- Proof of identity: Driver's license or 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
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 6.000% | 6.095% | 0.375 | $450,000.00 | $2697.98 |
| 15-year Fixed Rate Purchase | 5.500% | 5.596% | 0.000 | $450,000.00 | $3676.88 |
Interest Rates Effective: 11/20/2025
Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 6.250% | 6.336% | 0.250 | $450,000.00 | $2770.73 |
| 15-year Fixed Rate Refinance | 5.625% | 5.722% | 0.000 | $450,000.00 | $3706.79 |
Interest Rates Effective: 11/20/2025
Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. Annual Percentage Rate (APR) represents the true yearly cost of your loan, including any fees or costs in addition to the actual interest you pay to the lender. 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.