Estimated market averages updated each business day. Your rate depends on your credit profile, loan amount, down payment, and property type. Contact our team for a personalized quote.
Rates are estimated market averages. Your actual rate depends on your credit, loan amount, and property. Apply or call to get your real number.
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| Loan Program | Est. Rate | Change | Ideal For | |
|---|---|---|---|---|
| 30-Year FixedConventional | 6.56% | ▼ 0.03% | Long-term purchase or refi. Predictable monthly payment. | Get Rate → |
| 15-Year FixedConventional | 6.09% | ▼ 0.02% | Build equity faster. Significantly less interest over the life of the loan. | Get Rate → |
| FHA LoanGovernment-Backed | 6.10% | ▼ 0.02% | First-time buyers, lower down payment, credit as low as 580. | Get Rate → |
| VA LoanVeterans and Military | 6.12% | ▼ 0.02% | No down payment, no PMI. Eligible veterans and active duty service members only. | Get Rate → |
| USDA LoanRural and Suburban | 6.15% | ▼ 0.02% | No down payment in eligible rural and suburban areas of WA and ID. | Get Rate → |
| DSCR / InvestorInvestment Property | 7.10% | ▼ 0.02% | Qualify on rental income, not personal tax returns. | Get Rate → |
| JumboLoan above $766,550 | 6.68% | ▼ 0.02% | High-value purchases in WA and ID. Rate varies significantly by loan size. | Get Rate → |
| 7/6 ARMAdjustable Rate | 6.06% | ▼ 0.01% | Lower initial rate for shorter-term holds. Rate adjusts after year 7. | Get Rate → |
| Self-EmployedBank Statement / Alt-Doc | Contact for Quote | — | Alt-doc and bank statement options. Rate depends on documentation type and lender. | Get Rate → |
Rates shown are estimated market averages for informational purposes only and do not constitute an offer or commitment to lend. Annual Percentage Rate (APR) is not shown and will vary based on loan program, credit profile, loan amount, property type, down payment, occupancy, and other factors. Actual rate and APR are determined at the time of application following a full review of your financial profile.
DSCR and Jumbo rates are particularly sensitive to loan size, property type, reserve requirements, and lender guidelines and may differ significantly from the averages shown. ARM rates shown reflect the initial fixed-rate period only. After the initial period, ARM rates are subject to adjustment based on a market index plus margin and may increase substantially. Self-Employed and bank statement loan rates are quote-based and depend on income documentation type and lender.
Beeline Mortgage LLC is an independent mortgage broker, not a lender. We do not make credit decisions or lock rates on our own. Rate availability and terms are subject to lender approval. Contact Chris Hendrickson (NMLS #145552) to receive a Loan Estimate with your personalized rate and APR. Beeline Mortgage LLC, NMLS #1713379. Licensed in Washington and Idaho. Equal Housing Lender.
Not sure which program fits your file? Our team will run the numbers across all your options and tell you exactly what makes sense.
The most common loan type for purchases and refinances in Washington and Idaho. Available in 30-year and 15-year fixed terms. Strong credit opens up competitive wholesale pricing that retail banks rarely match.
Government-backed loans with low down payment requirements and flexible credit guidelines. A common path to homeownership for first-time buyers and those still building their credit history. Mortgage insurance premium (MIP) is required.
For eligible veterans, active duty service members, and qualifying surviving spouses. No down payment required, no monthly PMI, and often competitive rates relative to conventional financing. VA Funding Fee applies in most cases.
No down payment loans for buyers in eligible rural and suburban areas. Many zip codes across Washington and Idaho qualify, including communities around Liberty Lake, Sandpoint, and the Palouse. Income limits apply and vary by area.
Qualify based on the rental property's income rather than personal tax returns or W-2s. Built for investors who own multiple properties or whose business write-offs complicate a traditional income analysis. No personal income docs required.
For loan amounts above the conforming limit of $766,550 in Washington and Idaho. Jumbo pricing is lender-specific and depends heavily on loan-to-value ratio, reserve requirements, and credit profile. We shop multiple jumbo lenders on your behalf.
A 5/1 ARM offers a fixed rate for the first 5 years, then adjusts annually based on a market index. The lower initial rate can reduce monthly payments for buyers who plan to sell or refinance before the adjustment period begins. 7/1 ARMs also available.
Business write-offs shrink taxable income, which shrinks what traditional lenders will approve. Bank statement loans use 12 to 24 months of deposits to document income instead. No W-2 required. Rate is quote-based and depends on documentation type and lender.
Sign up and our team will reach out when rates hit a level that makes sense for your situation. No automated blasts. No spam. A real call or text from someone who knows your file.
By submitting your email you agree to receive rate update communications from Beeline Mortgage LLC. Your information is never sold or shared with third parties. Beeline Mortgage LLC, NMLS #1713379. Licensed in Washington and Idaho.
Mortgage rates can change daily, sometimes multiple times in a single day based on bond market movement. The rates shown on this page are estimated market averages updated regularly. Your actual rate depends on your credit score, loan type, down payment, property type, and the lenders available at the time you lock. Get your personalized rate here.
For conventional loans, a 740+ score typically gets you the most competitive pricing. Scores between 680-739 still qualify for strong rates. FHA loans allow scores as low as 580 with 3.5% down. VA loans have no official minimum, though most lenders look for 580-620. As an independent broker, Beeline can shop your file across many lenders to find the best fit for your specific score. Learn about FHA loan requirements.
The interest rate is the base cost of borrowing expressed as a percentage of the loan amount. APR (Annual Percentage Rate) includes the interest rate plus lender fees and certain other costs, giving a more complete picture of the loan's total cost. When comparing loan offers, comparing APRs side by side is more accurate than comparing interest rates alone. Beeline presents both when you get a rate quote.
Yes. Rate locks are available for 30, 45, 60, or 90 days depending on the lender and loan program. A lock guarantees your rate even if the market moves up before closing. If rates drop after you lock, some loan programs allow a one-time float-down. Ask your Beeline loan officer about lock timing once you have an accepted offer. Talk to a loan officer about rate locks.
No, not meaningfully. The credit bureaus treat multiple mortgage inquiries within a 14 to 45 day window as a single inquiry for scoring purposes. This means shopping Beeline's network of lenders for the best rate does not stack up multiple hard pulls against your score. It counts as one, and that is exactly the kind of smart shopping that saves money without a credit penalty. Start your application.
We can get you a real number in about 10 minutes. No credit pull, no commitment. Available Monday through Saturday 11 AM to 7 PM PT, and Sunday 12 PM to 6 PM PT.