Compare Today’s Mortgage and Refinance Rates in Spokane, WA

Compare Today's Mortgage and Refinance Rates in Spokane

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Showing: Purchase, Good (720-739), 30-year fixed, Single family home, Primary residence.

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9 results:

30-year fixed

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EXPLORE QUOTE

on Tomo

Tomo: NMLS#2059741

Lowest APR

Lowest monthly payment

Great for Mortgage rate transparency

Conventional 30-year fixed

4.0

NerdWallet rating

APR

6.663%

Interest rate

6.49%

Mo. payment

$2,526

Insurance $0

Total fees

$7,116

About this lender

Visit lender's website

Pros

Special program offers a pricing break for first first-time home buyers.
Offers financing options for self-employed borrowers and those without Social Security numbers.
Interactive mortgage rates tool takes credit score and location into account.

Cons

Purchase loans are not available in all states.
Doesn’t offer home equity loans or lines of credit.
No refinancing options are available.

EXPLORE QUOTE

on GO Mortgage

GO Mortgage: NMLS#1018Conventional 30-year fixed

4.0

NerdWallet rating

APR

6.71%

Interest rate

6.49%

Mo. payment

$2,526

Insurance $0

Total fees

$8,998

About this lender

Visit lender's website

Pros

Offers a wide variety of purchase mortgages, including renovation and construction loans.
Has a fully-digital mortgage application process.

Cons

Publishes only sample mortgage rates; you must contact the lender for customized rates.
Does not offer adjustable-rate mortgages.

EXPLORE QUOTE

Better: NMLS#330511

Great for digital convenience

Conventional 30-year fixed

4.5

NerdWallet rating

APR

6.776%

Interest rate

6.625%

Mo. payment

$2,562

Insurance $0

Total fees

$6,144

About this lender

Visit lender's website

Pros

Borrowers can apply, lock in a rate and receive a commitment letter within one day.
Offers both HELOCs and home equity loans with a high borrowing limit of 90% CLTV.
Offers mortgages for manufactured homes, as well as financing for self-employed borrowers.

Cons

No mobile app; customer service is by email or phone only.
Borrower must provide contact information to see customized rates.
Does not offer renovation or construction loans.

EXPLORE QUOTE

on First Federal Bank

First Federal Bank: NMLS#408902Conventional 30-year fixed

4.5

NerdWallet rating

APR

7.029%

Interest rate

Mo. payment

$2,662

Insurance $0

Total fees

$1,179

About this lender

Visit lender's website

Pros

Over 40% of all loans last year were FHA, VA or USDA loans.
Average mortgage rates are on the lower side, according to the latest federal data.
Offers 15-, 20-, 25-, and 30-year repayment terms, which is unusually flexible.

Cons

No dedicated mobile app for mortgage borrowers.
Some loans (including home equity products) are geographically limited.

EXPLORE QUOTE

on NBKC

NBKC: NMLS#409631

Great for first-time home buyers | digital convenience | customer service

Conventional 30-year fixed

4.5

NerdWallet rating

APR

7.146%

Interest rate

7.125%

Mo. payment

$2,695

Insurance $0

Total fees

$827

About this lender

Visit lender's website | Call (888) 871-2381

Pros

Mortgage rates are on the low side compared to other lenders, according to the latest federal data.
VA loans represent more than a quarter of purchase volume, a larger share than many lenders NerdWallet reviews.
Offers a variety of loan types for purchase and refinance, including fixed- and adjustable-rate loans and government options

Cons

HELOCs and no-down-payment loans are available only in the Kansas City metro area.
Mobile app focuses on online banking, not mortgages.
You’ll need to share contact information to see customized mortgage rates.

EXPLORE QUOTE

on New American Funding

New American Funding: NMLS#6606

Great for first-time home buyers | customer service

Conventional 30-year fixed

4.0

NerdWallet rating

APR

7.166%

Interest rate

7.125%

Mo. payment

$2,695

Insurance $0

Total fees

$1,629

About this lender

Visit lender's website | Call (888) 978-8131

Pros

Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
Its home equity line of credit can be used for a primary residence or second home.

Cons

Average origination fees are on the high side, according to the latest federal data.
Personalized mortgage rates are not available on the website without providing contact information.

EXPLORE QUOTE

Central Bank: NMLS#407985Conventional 30-year fixed

4.0

NerdWallet rating

APR

7.25%

Interest rate

7.25%

Mo. payment

$2,729

Insurance $0

Total fees

About this lender

Visit lender's website

Pros

Among the best when it comes to online convenience.
Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
Claims to offer preapproval within 24 hours of loan application.

Cons

You'll have to complete a loan application to see mortgage interest rates.
Bank branch locations limited to the Midwest.
Does not offer home equity lines of credit.

EXPLORE QUOTE

on HSBC Bank

HSBC Bank: NMLS#399799Conventional 30-year fixed

5.0

NerdWallet rating

APR

7.5%

Interest rate

7.5%

Mo. payment

$2,797

Insurance $0

Total fees

About this lender

Visit lender's website

Pros

Offers an online application and loan process updates.
Offers mortgages for investment properties.
Makes it easy to browse current rates and get a customized mortgage rate quote.

Cons

Does not offer FHA or VA government-backed loans.
No renovation mortgage options.

EXPLORE QUOTE

on Rocket Mortgage, LLC

Rocket Mortgage, LLC: NMLS#3030

Great for digital convenience | customer service

Conventional 30-year fixed

4.5

NerdWallet rating

APR

7.782%

Interest rate

7.75%

Mo. payment

$2,866

Insurance $0

Total fees

$1,250

About this lender

Visit lender's website

Pros

Reported average time to close is 15 days faster than industry average.
FHA and VA loans make up 40% of Rocket Mortgage’s total loan volume.
Borrowers can apply via mobile app.

Cons

Origination fees are on the higher end, according to the latest federal data.
No construction or renovation loans.
Physical branches are only available in Detroit, Cleveland, and Phoenix.

About These Rates: The lenders whose rates appear on this table are NerdWallet’s advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender’s site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner’s assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.

Trends and Insights

Spokane, WA mortgage and refinance rates today (APR)

Accurate as of 12/24/2024

Product	Interest Rate	APR
30-year fixed-rate	6.882%	6.966%
20-year fixed-rate	6.791%	6.902%
15-year fixed-rate	6.033%	6.161%
10-year fixed-rate	5.820%	6.007%
7-year ARM	6.778%	7.259%
5-year ARM	6.938%	7.452%
30-year fixed-rate FHA	6.000%	6.810%
30-year fixed-rate VA	6.045%	6.441%

Today's rate

6.966%

30-year fixed-rate

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Today’s mortgage rates in Spokane, WA are 6.966% for a 30-year fixed, 6.161% for a 15-year fixed, and 7.452% for a 5-year adjustable-rate mortgage (ARM).