Who has the best mortgage rates in Washington?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in WA
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in WA likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 60 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in WA
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Eyeing a house in Washington State? Now’s a pretty solid time to make your move
Interest rates have been steadily improving throughout 2024, with further declines expected in 2025. This shift is making homeownership more attainable than it has been in recent years. Buyers today are feeling less financial pressure compared to when rates were at their peak, so securing a mortgage now could be a smart move.
Washington’s housing market presents a mix of opportunities. In high-demand areas like Seattle and Bellevue, prices remain elevated and competition is strong. However, cities such as Tacoma, Spokane, and many smaller towns offer far more affordability. These areas often provide spacious homes, natural beauty, and access to outdoor activities—without the steep price tags. You may even find the backyard space you’ve been hoping for, whether it’s for gardening, relaxing, or entertaining.
For first-time buyers, Washington offers a number of assistance programs that can help with down payments and closing costs. These resources are especially valuable in more competitive markets, allowing buyers to enter the housing market without needing years of savings.
Whether you’re drawn to the lush landscapes of the Pacific Northwest or the vibrant energy of its urban centers, Washington offers something for everyone. With interest rates continuing to decline and a wide range of housing options available, now is a great time to consider making this dynamic state your home.