Dani Estes McDonough

Mortgage Guide | Nature Lover | Client Advocate
Dani McDonough picture in blue

Over the past 25+ years, our team has found that dedication to our clients is the reason for our success. We take pride providing high-touch service that moves our customers safely through the home loan process. Our approach is shaped by honesty, transparency, and integrity. From purchasing your first home to refinancing down the road, we can help you understand all of your options so you make a more informed decision.

Lasting relationships and genuine service are at the heart of what we do, and you can rely on our expertise. We put our years of experience to work for you, every step of the way. Lending is more than just processing loans. It’s making sure you have a positive experience and secure a loan that’s tailored to your circumstances and goals. Let’s get started today!

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206.251.7976  |  NMLS#582876 |  State License
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Today’s Mortgage Rates

Lower Rates
Lower Fees

30-Year Fixed

98.875
2.625
2.742
Lender Fees:
Discount Points:
0.875%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
2.875
2.924
Lender Fees:
Lender Credit:
($1875)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
*Income restrictions apply

15-Year Fixed

98.875
2.000
2.231
Lender Fees:
Discount Points:
1.000%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
2.250
2.339
Lender Fees:
Lender Credit:
($938)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
*Income restrictions apply

30-Year FHA

98.875
2.250
3.308
Lender Fees:
Discount Points:
0.375%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
2.375
3.403
Lender Fees:
Lender Credit:
($491)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year VA

98.875
2.250
2.527
Lender Fees:
Discount Points:
0.750%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
2.500
2.721
Lender Fees:
Lender Credit:
($512)
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year Jumbo

98.875
2.625
2.704
Lender Fees:
Discount Points:
0.750%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
3.000
3.021
Lender Fees:
Lender Credit:
($2500)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
Rates as of:
6:52AM Pacific Time on July 30th, 2021

Real Rates. No Catch.

If you think our rates are good, you should see our fine print.*

*Additional lender fees:

$1295 UW/Admin ($0 for VA loans)

$775 typical appraisal fee (varies)

$0 origination, $0 credit report, $0 processing, $0 doc prep, $0 funding, $0 wire transfer, $0 flood certification.

Always scan the fine print for origination and/or other fees.  When getting verbal quotes from lenders who don’t post rates, request they email a screenshot of their pricing to be sure it matches their verbal quote.

Some mortgage companies quote different rates based on how you were referred to them.  Some of their rates also vary by loan officer and/or by branch.   Upwell rates are consistent regardless of source.

Points are costs usually collected at closing for obtaining a specific rate and may be paid by the borrower or the home seller or may be split between them. Numbers appearing in brackets are credits – example ($2000).

APR=Annual Percentage Rate: A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.

The APR includes the approximate cost of prepaid finance charges, including 10 days of prepaid interest, points associated with the rate displayed, and some third-party fees. It does not include other closing costs. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. Sample payments shown include only principal and interest. Your interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your down payment or equity is less than 20%, mortgage insurance will be required, which will increase the monthly payment. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available.

Hazard insurance is required, and flood insurance may be required if the property is located in a flood zone. Payments do not include amounts for property taxes and insurance premiums. Actual payments may be higher.

This rate sheet is not a credit decision or a commitment to lend and your rate will depend on various factors including your type of loan, credit profile, property value, occupancy, loan size, etc. Rates and product availability may also vary based on the State or region in which your financed property is located. Offer is subject to normal credit qualifications. Rates are subject to change. Consult your tax advisor regarding the deductibility of interest. Some restrictions may apply.

Disclosures and Assumptions

30-Year Fixed-Rate Mortgage:

98.875
The payment on a $375,000 30-year Fixed-Rate Loan at 2.625% and 75% loan-to-value (LTV) is $1,506 with 0.875 points due at closing. The Annual Percentage Rate (APR) is 2.742%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
100
The payment on a $375,000 30-year Fixed-Rate Loan at 2.875% and 75% loan-to-value (LTV) is $1,556 with -0.5 points due at closing. The Annual Percentage Rate (APR) is 2.924%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

15-Year Fixed-Rate Mortgage:

98.875
The payment on a $375,000 15-year Fixed-Rate Loan at 2.000% and 75% loan-to-value (LTV) is $2,413 with 1 points due at closing. The Annual Percentage Rate (APR) is 2.231%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
100
The payment on a $375,000 15-year Fixed-Rate Loan at 2.250% and 75% loan-to-value (LTV) is $2,457 with -0.25 points due at closing. The Annual Percentage Rate (APR) is 2.339%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.

30-Year FHA Loan:

98.875
Rate is fixed. The payment on a $386,000, 30-year fixed rate loan at 2.250% and 96.5% loan-to-value (LTV) is $1,772 with 0.375 points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of less than or equal to 90%, the monthly MIP will be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 3.308%.
100
Rate is fixed. The payment on a $386,000, 30-year fixed rate loan at 2.375% and 96.5% loan-to-value (LTV) is $1,797 with -0.125 points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of less than or equal to 90%, the monthly MIP will be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 3.403%.

30-Year Fixed-Rate VA Loan:

98.875
Rate is fixed. The payment on a $400,000, 30-year fixed-rate loan at 2.250% and 100% loan-to-value (LTV) is $1,564 with 0.75 points due at closing. The Annual Percentage Rate (APR) is 2.527%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.
100
Rate is fixed. The payment on a $400,000, 30-year fixed-rate loan at 2.500% and 100% loan-to-value (LTV) is $1,617 with -0.125 points due at closing. The Annual Percentage Rate (APR) is 2.721%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.

30-Year Jumbo Fixed-Rate Mortgage:

98.875
The payment on a $1,000,000 30-year Fixed-Rate Loan at 2.625% and 69.9% loan-to-value (LTV) is $4,017 with 0.75 points due at closing. The Annual Percentage Rate (APR) is 2.704%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
100
The payment on a $1,000,000 30-year Fixed-Rate Loan at 3.000% and 69.9% loan-to-value (LTV) is $4,216 with -0.25 points due at closing. The Annual Percentage Rate (APR) is 3.021%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.