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.
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 (opens in a new tab) to discuss your options and guide you through this process.
Fixed mortgage rates as low as:
Purchase: Conforming Loan Rates
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 7.000% | 7.080% | 0.125 | $450,000.00 | $2993.86 |
| 15-year Fixed Rate Purchase | 6.625% | 6.771% | 0.250 | $450,000.00 | $3950.97 |
Interest Rates Effective: 09/17/2026
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
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 7.125% | 7.194% | 0.000 | $450,000.00 | $3031.73 |
| 15-year Fixed Rate Refinance | 6.750% | 6.878% | 0.125 | $450,000.00 | $3982.09 |
Interest Rates Effective: 09/17/2026
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.
Refinance: Cash-out Refi Rates
Apply Now (opens in a new tab)| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Cash-out Refinance | 7.250% | 7.345% | 0.250 | $450,000 includes $150,000 cash out | $3069.79 |
| 15-year Fixed Cash-out Refinance | 7.000% | 7.130% | 0.125 | $450,000 includes $150,000 cash out | $4044.73 |
Interest Rates Effective: 09/17/2026
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.