Select your Scenario
Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
See Safe Rate's top scoring lenders for Toutle
We rank active Toutle lenders across our 5 P's of mortgage shopping. No pay to play, independent rankings.
Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 6.855%APR 6.890% | 0 pts$0 | $1,945/moP&I $1,945 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 5.987%APR 6.755% | 0 pts$0 | $1,946/moP&I $1,807 · MI $138 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 5.921%APR 5.970% | 0 pts$0 | $1,764/moP&I $1,764 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 6.616%APR 6.651% | 0 pts$0 | $1,898/moP&I $1,898 · MI $0 | See details |
| Investment Property FixedConforming | 7.558%APR 7.598% | 0 pts$0 | $2,086/moP&I $2,086 · MI $0 | See details |
Personalize the rates on this page
Tell us your home budget and credit score to see exact payments and find your best-fit loan program instantly.
Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 5.921% | 5.970% | 0 pts ($0) | $2,491/mo | $49,323 |
15-Year Rate/Term Refi | 0% | 740 credit score | 5.951% | 6.002% | 0 pts ($0) | $3,120/mo | $69,208 |
Condo 10% Down | 10% | 720 credit score | 7.076% | 7.242% | 0 pts ($0) | $2,238/mo | $78,295 |
Conventional 10% Down | 10% | 720 credit score | 6.547% | 6.701% | 0 pts ($0) | $2,120/mo | $72,975 |
Conventional 20% Down | 20% | 740 credit score | 6.855% | 6.890% | 0 pts ($0) | $1,945/mo | $60,053 |
Conventional 5% Down | 5% | 700 credit score | 6.977% | 7.453% | 0 pts ($0) | $2,339/mo | $81,593 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.299% | 7.337% | 0 pts ($0) | $2,542/mo | $87,263 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $2,195/mo | $74,360 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.760% | 7.134% | 0 pts ($0) | $2,336/mo | $84,196 |
Conventional Rate/Term Refi | 0% | 740 credit score | 6.616% | 6.651% | 0 pts ($0) | $2,372/mo | $79,629 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $3,060/mo | $72,966 |
FHA 3.5% Down | 3.5% | 680 credit score | 5.987% | 6.755% | 0 pts ($0) | $2,180/mo | $76,467 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,247/mo | $78,662 |
FHA Streamline Refi | 0% | 640 credit score | 6.120% | 6.891% | 0 pts ($0) | $2,292/mo | $80,749 |
House Hacking Conforming 5% | 5% | 680 credit score | 6.951% | 7.193% | 0 pts ($0) | $2,332/mo | $84,488 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $2,320/mo | $45,428 |
Investment Property 25% Down | 25% | 740 credit score | 7.558% | 7.598% | 0 pts ($0) | $1,956/mo | $62,197 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.159% | 0 pts ($0) | $1,999/mo | $62,468 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $2,156/mo | $66,122 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.360% | 7.135% | 0 pts ($0) | $2,268/mo | $80,551 |
Second Home 10% Down | 10% | 720 credit score | 6.000% | 6.573% | 0 pts ($0) | $2,001/mo | $67,483 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,951/mo | $60,313 |
VA 0% Down | 0% | 700 credit score | 5.984% | 6.226% | 0 pts ($0) | $2,267/mo | $74,725 |
VA Cash-Out Refi | 0% | 640 credit score | 5.992% | 6.358% | 0 pts ($0) | $2,269/mo | $74,816 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.006% | 6.157% | 0 pts ($0) | $2,273/mo | $74,975 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $2,041/mo | $64,562 |
Frequently Asked Questions
What are today's mortgage rates in 98649, , WA across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in 98649, , WA is 6.855% (with an estimated monthly payment of $2,774). Active program rates also include FHA 30-year fixed loans at 5.987% and VA 0%-down fixed loans at 5.984%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in 98649, , WA?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in 98649, , WA have fluctuated between a low of 6.476% and a high of 6.937%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in 98649, , WA?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $370,867 in 98649, , WA, a standard 20%-down Conventional loan requires an upfront cash down payment of $74,173 but keeps your monthly payment lower at $2,774/mo (at 6.855% interest) with no monthly PMI. In comparison, an FHA loan requires only $12,980 (3.5% down) but has an estimated payment of $3,109/mo (at 5.987% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $357,887 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in 98649 before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in 98649 is $806,501. With a typical local home value of $370,867 in , a standard 20%-down mortgage requires a loan size of $296,694. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in 98649, , WA impact estimated mortgage payments?
The median home value in 98649, , WA is estimated at $370,867. Buying a typical home here with a standard 20% down payment ($74,173) translates to an estimated starting monthly mortgage payment of $2,774 (principal and interest). Compared to the local area median household income of $86,190 ($7,183/mo), this basic housing payment represents approximately 38.6% of gross monthly household income. Because this housing cost exceeds the standard 36% lender DTI guideline, buyers in this high-value area may need larger down payments, lower debt balances, or co-borrower income to qualify.