Terri Wood, Mortgage Loan Officer

Profile - Terri Wood

Apr 1, 2022, 16:25 PM
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Title : Profile - Terri Wood
Mortgage Loan Officer
NMLS# 413367
President's Club
[email protected]
360-417-3223
Internal link : Terri Wood MLO
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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:

5.944%

APR

30-year Fixed Rate Construction

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6.961%

APR

30-year Fixed Rate Purchase

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6.185%

APR

15-year Fixed Rate Purchase

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6.223%

APR

15-year Fixed Rate Refinance

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Start Your Loan Application Online

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

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 5.875% 5.944% 0.250 $300,000 $1,774.61
15-year Fixed Rate Construction 5.500% 5.654% 0.500 $300,000 $2,451.25

Interest Rates Effective: 09/22/2022

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. 

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 6.875% 6.961% 0.375 $300,000.00 $1,970.79
15-year Fixed Rate Purchase 5.990% 6.185% 0.750 $300,000.00 $2,529.95

Interest Rates Effective: 09/22/2022

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.

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 6.990% 7.076% 0.375 $300,000.00 $1,993.89
15-year Fixed Rate Refinance 5.990% 6.223% 1.000 $300,000.00 $2,529.95

Interest Rates Effective: 09/22/2022

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.

 

Interested in other financing options? See all mortgage rates.