These are illustrative sample scenarios, not live or advertised rates. Your actual rate and APR depend on your credit profile, loan amount, down payment, and property details. Rates are subject to change without notice and do not constitute a commitment to lend.
Last reviewed: 2026-10-07. Verify current program terms with Peter Irungu, NMLS #2751063.
Why APR matters: Federal Truth in Lending rules require us to show the Annual Percentage Rate (APR) whenever we advertise a rate or payment. APR reflects the true cost of borrowing, including certain fees, and is shown here at least as prominently as the simple interest rate.
FHA Loans
3.5% down, credit scores from 580
6.125%Interest Rate
6.890%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $384,750 with a 3.5% down payment ($398,750 purchase price) on a primary single-family residence. 360 monthly payments of $2,331 (Principal & Interest). Monthly payment does not include taxes, property insurance, or HOA fees; actual payment obligation will be higher. Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
VA Loans
0% down for Veterans & active duty, no PMI
5.750%Interest Rate
6.120%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $400,000 with a 0% down payment ($400,000 purchase price) on a primary single-family residence. 360 monthly payments of $2,334 (Principal & Interest). Monthly payment does not include taxes, property insurance, or HOA fees; actual payment obligation will be higher. Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
Conventional Loans
Competitive rates, PMI drops at 20% equity
5.990%Interest Rate
6.425%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $400,000 with a 20.0% down payment ($500,000 purchase price) on a primary single-family residence. 360 monthly payments of $2,396 (Principal & Interest). Monthly payment does not include taxes, property insurance, or HOA fees; actual payment obligation will be higher. Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Jumbo Loans
Financing above the conforming limit for high-value WA homes
6.500%Interest Rate
6.880%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $1,200,000 with a 20.0% down payment ($1,500,000 purchase price) on a primary single-family residence. 360 monthly payments of $7,585 (Principal & Interest). Monthly payment does not include taxes, property insurance, or HOA fees; actual payment obligation will be higher. Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
USDA Loans
0% down in eligible rural Washington areas
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
Down Payment Assistance
WA state & Pierce County grant programs, may never need repayment
6.250%Interest Rate
6.950%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $385,000 with a 3.5% down payment ($399,000 purchase price) on a primary single-family residence. 360 monthly payments of $2,365 (Principal & Interest). Monthly payment does not include taxes, property insurance, or HOA fees; actual payment obligation will be higher. Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
Bank Statement Mortgages
Qualify using business bank statements, not W-2s
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Self-Employed Mortgage Options
Flexible qualification beyond traditional W-2 income
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
ITIN Mortgages
Financing for borrowers with an Individual Taxpayer ID
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Foreign National Mortgages
Financing for non-U.S. citizens buying Washington property
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Asset Depletion Mortgages
Qualify using qualifying liquid assets
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Construction-to-Permanent Loans
Build a home in Washington with one streamlined loan
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
FHA 203(k) Renovation Loans
Buy and renovate with one FHA-insured loan
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
HomeStyle Renovation Loans
Conventional renovation financing for Washington homes
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Manufactured Home Loans
Financing for manufactured and mobile homes in Washington
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
DSCR Loans
Investment properties qualified on rental income, no W-2
7.250%Interest Rate
7.690%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $350,000 with a 25.0% down payment ($466,667 purchase price) on a primary single-family residence. 360 monthly payments of $2,378 (Principal & Interest). Monthly payment does not include taxes, property insurance, or HOA fees; actual payment obligation will be higher. Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Bridge Loans
Short-term financing between buying and selling
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Fix-and-Flip Loans
Short-term capital for Washington rehab investors
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Reverse Mortgage
For homeowners 62+, access equity and stay in your home
7.000%Interest Rate
7.480%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $250,000 with a 0% down payment ($500,000 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
NEXA Lending, LLC is a private mortgage lender/broker and is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, or any government agency.
HELOC & Home Equity Loans
Access your home equity without replacing your first mortgage
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Mortgage Refinancing
Lower your rate, change your term, or access equity
0.000%Interest Rate
0.000%APR*
*Sample scenario for illustration only - not an advertised or live rate. Based on a loan amount of $0 with a 0% down payment ($0 purchase price) on a primary single-family residence. 360 monthly payments (Principal & Interest). Rate and APR subject to credit approval and market fluctuation; actual terms vary based on credit profile, loan amount, property type, and current market conditions. Last reviewed 2026-10-07.
Want a rate tailored to you?
Get a personalized pre-qualification with no obligation. Talking won't impact your credit.
