6.812% APR 

Compare Today's Mortgage and Refinance Rates in Spokane Valley

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners and here's how we make money.

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Why do you want a home loan?
Showing: Purchase, Good (720-739), 30-year fixed, Single family home, Primary residence. 
Showing: Purchase, Good (720-739), 30-year fixed, Single family home, Primary residence. 
License information

10 results:

30-year fixed

License information
Better
EXPLORE QUOTE
Better: NMLS#330511
Lowest APR
Lowest monthly payment
Great for digital convenience
Conventional 30-year fixed
Better
4.5
NerdWallet rating
APR
6.554% 
Interest rate
6.375% 
Mo. payment
$2,496 
Insurance $0
Total fees
$7,380 
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.
Tomo
EXPLORE QUOTE
on Tomo
Tomo: NMLS#2059741
Great for Mortgage rate transparency
Conventional 30-year fixed
Tomo
4.0
NerdWallet rating
APR
6.554% 
Interest rate
6.375% 
Mo. payment
$2,496 
Insurance $0
Total fees
$7,384 
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.
GO Mortgage
EXPLORE QUOTE
on GO Mortgage
GO Mortgage: NMLS#1018Conventional 30-year fixed
GO Mortgage
4.0
NerdWallet rating
APR
6.558% 
Interest rate
6.375% 
Mo. payment
$2,496 
Insurance $0
Total fees
$7,542 
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.
Farmers Bank of Kansas City
EXPLORE QUOTE
Farmers Bank of Kansas City: NMLS#613839
Great for Rate transparency
Conventional 30-year fixed
Farmers Bank of Kansas City
4.5
NerdWallet rating
APR
6.781% 
Interest rate
6.75% 
Mo. payment
$2,595 
Insurance $0
Total fees
$1,271 
About this lender
Visit lender's website
Pros
  • Displays customized rates, with fee estimates, without requiring contact information.
  • Offers home equity loans and lines of credit.
  • Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.
Cons
  • Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
  • Home renovation loans are not available.
  • Mortgage rates are on the high side compared to other lenders, according to the latest federal data.
First Federal Bank
EXPLORE QUOTE
on First Federal Bank
First Federal Bank: NMLS#408902Conventional 30-year fixed
First Federal Bank
4.5
NerdWallet rating
APR
7.004% 
Interest rate
7% 
Mo. payment
$2,662 
Insurance $0
Total fees
$151 
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.
Central Bank
EXPLORE QUOTE
Central Bank: NMLS#407985Conventional 30-year fixed
Central Bank
4.0
NerdWallet rating
APR
7.012% 
Interest rate
6.99% 
Mo. payment
$2,659 
Insurance $0
Total fees
$876 
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.
NBKC
EXPLORE QUOTE
on NBKC
NBKC: NMLS#409631
Great for first-time home buyers | digital convenience | customer service
Conventional 30-year fixed
NBKC
3.5
NerdWallet rating
APR
7.022% 
Interest rate
6.99% 
Mo. payment
$2,659 
Insurance $0
Total fees
$1,287 
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
  • You’ll need to share contact information to see mortgage rates.
  • HELOCs and no-down-payment loans are available only in the Kansas City metro area.
  • Mobile app focuses on online banking, not mortgages.
New American Funding
EXPLORE QUOTE
on New American Funding
New American Funding: NMLS#6606
Great for first-time home buyers | customer service
Conventional 30-year fixed
New American Funding
4.0
NerdWallet rating
APR
7.03% 
Interest rate
6.99% 
Mo. payment
$2,659 
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.
HSBC Bank
EXPLORE QUOTE
on HSBC Bank
HSBC Bank: NMLS#399799Conventional 30-year fixed
HSBC Bank
5.0
NerdWallet rating
APR
7.275% 
Interest rate
7.25% 
Mo. payment
$2,729 
Insurance $0
Total fees
$999 
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.
Rocket Mortgage, LLC
EXPLORE QUOTE
on Rocket Mortgage, LLC
Rocket Mortgage, LLC: NMLS#3030
Great for digital convenience | customer service
Conventional 30-year fixed
Rocket Mortgage, LLC
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.

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Mortgage and refinance rates by city

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