Mortgage Rates - Compare Rates & Save

Live mortgage rates and costs in seconds! – No email, Social Security Number or Personal Information is required. Serving home buyers in WA, OR, ID, CO and CAL.

Your Best Rates Here

$ 3,454
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
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$ 3,646
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
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$ 3,792
The monthly payment shown is principal and interest only and doesn’t include property taxes and homeowners insurance.
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Whether you’re buying a home or ready to refinance, our professionals can help.

Live Mortgage Rate Quote Tool – Live Rates 24/7 

Over 15 years ago we decided to be one of the first mortgage companies to allow our clients to get rates and costs online with our online rate quote tool. This transparency has helped us build trust with our clients and empowered them to take control of the mortgage process and with guidance from our experienced Mortgage Advisors make informed decisions on what loan structure works best for their specific situation.

Current Mortgage Rates

The experts at Sammamish Mortgage can help you determine what interest rate you can expect to pay in Washington State. You can use our Instant Rate Quote tool to get interest rates and closing costs based on your specific financial situation and the type of loan you want to use. Mortgage rates can change constantly, and they vary based on a number of factors, including the borrower’s qualifications. That’s why it’s important to get an individualized rate quote tailored to you personally. Sammamish Mortgage can give you a personalized quote for current mortgage rates in Washington State, Oregon, Colorado, Idaho & California, as these are the states we serve.

Highly Competitive Rates

Sammamish Mortgage has been serving the Pacific Northwest for more than 30 years. Many of our customers come from the Seattle & Bellevue, WA metro area in particular. Our business model allows us to offer some of the lowest mortgage rates you’ll find anywhere. More importantly, we can also help you choose the right type of home loan for your particular situation. The table above gives you some insight into the current Seattle and Washington State mortgage rates available in today’s market. The rates shown in the table include a variety of loan types, including jumbo, fixed, and adjustable-rate mortgages. They also include government-backed mortgage loans such as FHA and VA. We also offer bridge loans and construction loans. Please contact us if you would like to receive a personalized Seattle mortgage rate quote based on your current financial situation.

Live Mortgage Rates for the Pacific Northwest

In addition to Washington State, we also provide loans for customers in Idaho, Colorado, Oregon & California. We can provide you with a current mortgage rate quote for whichever one of these states you plan to buy in. Sammamish Mortgage is a family-owned mortgage company with over 29 years of experience providing loans at competitive rates for our customers. If you’re planning to purchase a home in WA, ID, CO, OR or CAL, and you’re going to obtain a mortgage loan, reach out to us today for a personalized mortgage rate quote.

Paying Points at Closing

You’ll notice a “points” column in the current mortgage rates table above. A point is equal to one percent of the loan amount. As a borrower, you can choose to pay points at closing (in addition to the standard third-party and lender fees) in order to secure a lower interest rate on your loan. The table shows how points can affect mortgage rates. Generally speaking, paying more points at closing will help you secure a lower rate. So, there’s an inverse relationship between the two. To obtain the best rates and closing costs based on your specific situation, please use our Interest Rate Quote tool, or contact our knowledgeable staff for assistance.

Rates Depend on Multiple Factors

Mortgage rates depend on a wide range of different factors. Just one of these factors is points and closing costs paid at closing. Additional factors that can affect your mortgage rate is credit score, down payment, property type, occupancy, loan program and number of days you are locking your rate. The rate quote tool quotes custom rates and costs based on your specific criteria to give you the most accurate reflection of what your rate will be without submitting a full application.

Understanding which rate and cost option best suites your situation isn’t easy. This is where the mortgage specialists at Sammamish Mortgage come into play. Our specialists are available to answer any questions you have, but they can also counsel you on which loan structure will best fit into your long-term financial plan.

Rate quote isn’t what you expected?

If your instant rate quote isn’t what you expected, we can provide counsel on how to potentially transform your quote into something more acceptable. Sammamish Mortgage is a family-owned mortgage company with over 30 years of experience in the industry. We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO and CAL. If you’re looking to buy a home in one of these states, we can help!

Our Reviews

Jay M
May 29, 2023
Sammamish Mortgage was an overwhelmingly positive experience! For anybody out there that prizes transparency, professionalism and promptness, I couldn't have been more impressed in working with Trevor and Tonya. I reached out to Sammamish without much experience with local markets and Trevor was the first person I spoke to. He was attentive and informative with every random question I had. In addition, as a working professional, I can appreciate their accommodation with a variety of communication needs. We were able to communicate mostly through email and I ALWAYS had a response within a few hours, even on weekends. I was able to be in a position to close early as well as work with them around dates that I would be out of town, etc. This promptness was key in securing our loan early! I was also fortunate enough to get to work with Tonya during the underwriting process, and similarly both she and Trevor made the lending process as smooth as possible. Her promptness, professionalism, and communication turned an inherently stressful process into (much to my surprise), the most consistent/easy part of the home-buying process. I would absolutely recommend Sammamish (and would very much use again in the future.) Their Live Rate tool, transparency, promptness and professionalism was such a relief during the frenzied home-buying process. Do yourself a favor and contact them if you're considering multiple lenders in the area!
Rachel F
May 17, 2023
Sammamish Mortgage was great to work with, they answered all our questions in a timely manner, gave good advice in this market, and helped us get a great deal.
Richard Thatcher
May 16, 2023
Great job by Sammamish once again. Start to finish they are the most customer-oriented mortgage company sit whom I have worked. Five star all the way
Andrew Small
May 10, 2023
I recently worked with Sammamish Mortgage to secure a mortgage for my new condo, and I couldn't be happier with the experience. From start to finish, the team at Sammamish Mortgage was knowledgeable, professional, and extremely helpful. They were upfront about all of the costs associated with the mortgage, and they took the time to explain everything in detail so that I fully understood what I was getting into. They were also very responsive whenever I had questions or concerns, which made the whole process feel much less stressful. Overall, I would highly recommend Sammamish Mortgage so If you're in the market for a mortgage, definitely give them a call!
Ian R
May 5, 2023
Steve was very responsive and helpful when trying to close, painless closing process and paperwork went smoothly with processor
John C
April 27, 2023
Very easy. Everyone helped us in the entire process and was quick to reply with answers to our questions.
Cyn Liu
April 19, 2023
We had such a wonderful experience working with Steve and cannot recommend him more! We first reached out to Sammamish Mortgage last year when we were only casually home shopping. As first time home buyers, we had almost zero knowledge about the loan process and things to pay attention to. Steve is extremely knowledgeable, detailed-oriented, patient, and responsive in answering all of our questions in details and we felt that he wasnt trying to sell us the loan, but looking after us to help us make decisions that works the best in our situation. Last month, we saw a property that we loved and decided to actually kick off the loan process. The Sammamish mortgage team made the entire process seamless and helped us closed on time for our new home.

Sammamish Mortgage Can Help You with a Rate Quote

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We proudly serve customers in the Pacific Northwest region. We serve WA, ID, OR, CO & CAL. If you’re looking to buy a home in one of these states, we can help!

  • Sammamish Mortgage No Cost Program
  • Live Real-Time Custom Rates and Costs
  • Low Mortgage Rate Quotes and Fees
  • Detailed Cost Breakdown
  • On Time Closing
  • Transparency In All We Do
  • Unparalleled Reputation
  • Communication Is Key
  • Reduced Monthly PMI
  • Fast Appraisals
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