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How to Get the Best Rate in Washington
Mortgage rates are not one-size-fits-all. The rate you receive depends on your credit profile, the loan type you choose, your down payment, and current market conditions. Here is what you can control to secure the lowest rate possible.
NMHL loan officers work with 300+ lenders to find competitive rates for every borrower profile — whether you have excellent credit or are rebuilding.
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Washington Mortgage Rates FAQs
Mortgage rates in Washington change daily based on market conditions. Use our live rate widget above for real-time rates, or contact NMHL for a personalized quote based on your credit score, loan amount, and down payment.
Washington mortgage rates generally track close to the national average but can vary based on local market conditions, state regulations, and lender competition. The best way to get an accurate comparison is to check current rates with multiple lenders, including NMHL.
Key factors include your credit score, down payment amount, loan type (FHA, VA, conventional), loan term (15 or 30 years), property type, and whether the property is your primary residence. Your debt-to-income ratio and employment history also play a role.
Rate locks protect you from rate increases during the application process. NMHL typically offers 30, 45, or 60-day rate locks. If you have found a home and are ready to proceed, locking your rate provides certainty on your monthly payment. Contact your NMHL loan officer for guidance.
To get the best rate: improve your credit score before applying, save for a larger down payment (20%+ avoids PMI), compare multiple lenders and loan types, consider a shorter loan term (15 vs 30 years), and ask about discount points. NMHL can help you explore all options.
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Get a personalized rate quote from NMHL. Our licensed Washington loan officers are ready to help you find the best deal.