Mortgage Loans in Kettle Falls, WA

Federal Funds Rate - Trends & Analysis:

Today’s Fed Funds Effective Rate is 3.75%, unchanged from 7, 30, 60, and 90 days ago. When the Fed Funds rate is higher, it can put upward pressure on mortgage rates because lenders’ borrowing costs increase.

Credit Union Loan Rates - Trends & Analysis:

Potlatch No. 1 Financial offers a 15-year conventional fixed rate at 5.75% and a 30-year conventional fixed rate at 6.5%. The 15-year conventional fixed rate has held steady over the past week and month. Their 30-year FHA fixed rate is 5.875%, up 13 bp from a week ago. The 30-year VA fixed rate is also 5.875%, with the same weekly increase. The 15-year conventional refinance rate is 5.875%. The 30-year conventional refinance rate is 6.625%.

State Department shows a 15-year conventional fixed rate today at 5.625%, unchanged from last week but down 13 bp from a month ago. The 30-year conventional fixed rate is 6.25%, down 13 bp from both last week and a month ago. Jumbo 30-year fixed loans are at 6.625%, down 13 bp from last week and the past month. Adjustable 5-year fixed rates stand at 5.75%, down 13 bp from last week and 25 bp from a month ago. Nasa offers a 15-year conventional fixed rate at 5.875%, up 13 bp from a week ago. Their 30-year conventional fixed rate is 6.375%, down 13 bp over the past month. The 30-year FHA fixed rate is 6.25%, up 13 bp from last week. The 30-year VA fixed rate stands at 6.0%, up 13 bp from seven days ago. The 30-year jumbo fixed rate matches the conventional at 6.375%, down 13 bp over 30 days.

Fibre offers a 15-year conventional fixed rate at 5.875%, unchanged from a week ago but down 12 bp from a month ago. Their 30-year conventional fixed rate is 6.5%, steady over the past week and 13 bp lower than 30 days ago. The 30-year fixed FHA rate is 6.125%, down 13 bp from last week and the past month. Rivermark Community offers a 15-year conventional fixed rate at 5.875% and a 30-year conventional fixed at 6.625%, both unchanged from last week but up 13 bp since early August. Their 5-year adjustable rate is steady at 5.75%, and the 7-year adjustable is 5.875%, with the 10-year adjustable at 6.25%.

Whatcom Educational offers a 15-year conventional fixed at 5.875% and a 30-year conventional fixed at 6.625%, both unchanged from last week. The 15-year conventional fixed rate is down 13 bp from a month ago. They also have a 30-year VA fixed at 6.25% and a 30-year jumbo fixed at 6.625%, which is 13 bp lower than 30 days ago. The 15-year and 30-year conventional and 30-year VA fixed rates remain steady this week.

Onpoint Community offers a 15-year Conventional Fixed rate today at 5.875%, up 13 bp from a week ago. The 30-year Conventional Fixed and 30-year Conventional Refinance rates hold steady at 6.5%. The 15-year Conventional Refinance rate matches the purchase rate at 5.875%, also up 13 bp from last week. Jumbo 30-year Fixed loans are at 6.5%, unchanged from a week ago but down 13 bp from a month ago. The 5-year ARM is 6.5%, down 13 bp from 30 days ago. Americas-Credit-Union offers a 30-year Jumbo loan at 6.375% today, unchanged from two weeks ago. Their 5-year ARM is steady at 5.74%.

Numerica offers a 15-year conventional fixed rate at 6.0%, down 13 bp from last week. Their 30-year conventional fixed rate holds steady at 6.625%. The jumbo 30-year fixed rate rose to 7.625%, up 25 bp over the past month. Digital offers a 15-year conventional fixed rate at 6.125% and a 30-year conventional fixed rate at 6.875% today. The 30-year conventional fixed rate rose by 13 bp over the past week and 50 bp over the past 30 days. The 15-year conventional fixed rate remains steady compared to last week but is up 25 bp from 30 days ago. The 30-year conventional fixed jumbo rate is 7.0% today, up 13 bp from last week and 50 bp from 30 days ago.