Fixed Rate Home Loans

 

With fixed-rate mortgages your monthly principal and interest payment stays the same throughout the life of the loan. The payment stability that comes with fixed-rate loans makes financial planning and budgeting easier. These loans are ideal when interest rates are low, and you plan on staying in your home for many years.  

 

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First Fed mortgage financing is only available for Washington State properties at this time. Need more information? Connect with one of our experienced Mortgage Loan Officers to discuss your options and guide you through this process. 

 

Fixed mortgage rates as low as:

5.840%

APR

15-year Fixed Rate Purchase

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5.927%

APR

15-year Fixed Rate Refinance

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6.544%

APR

30-year Fixed Rate Purchase

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Get a Custom Loan Quote

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

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 6.500% 6.544% 0.125 $450,000.00 $2844.31
15-year Fixed Rate Purchase 5.750% 5.840% 0.250 $450,000.00 $3736.85

Interest Rates Effective: 07/03/2025

Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. 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 6.625% 6.657% 0.000 $450,000.00 $2881.40
15-year Fixed Rate Refinance 5.875% 5.927% 0.000 $450,000.00 $3767.03

Interest Rates Effective: 07/03/2025

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. 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 6.875% 6.920% 0.125 $450,000 includes $150,000 cash out $2956.18
15-year Fixed Cash-out Refinance 6.250% 6.322% 0.125 $450,000 includes $150,000 cash out $3858.40

Interest Rates Effective: 07/03/2025

Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. 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.