Washington Rates by Credit Score
780 Credit Score Mortgage Rates in Washington
A 780 FICO in Washington is the top pricing bucket. Conventional risk-based pricing adjustments are minimal and you qualify for the best wholesale pricing tiers.
Conventional Loan Facts
- Down payment as low as 3% for first-time homebuyers, 5% for others
- Down payment assistance programs available to fully cover the 3% down payment
- Private Mortgage Insurance (PMI) required below 80% LTV - automatically removed at 78%
- Maximum DTI typically 45%, up to 50% with strong compensating factors
- Minimum credit score generally 620; best rates at 740+
- Available for primary residence, second home, or investment property
- No upfront mortgage insurance premium - only monthly PMI if applicable
Washington Housing Market for a 780 FICO Buyer
Washington's median home price is around $600,000. At 20% down, that's a $120,000 down payment and a $480,000 loan - well within the $200,000+ minimum for the Loan Factory $2,000 Best Price Guarantee (note: WA is excluded from the guarantee). The pricer above is preset to this scenario.
Median home price
$600,000
Effective property tax rate
0.94% (≈$5,640/yr at median price)
Top metros
Seattle, Spokane, Tacoma
Frequently Asked Questions
What is the best mortgage rate for a 780 credit score in Washington?+
The pricer above returns live wholesale rates for a 780 FICO in Seattle, Washington. A 780 FICO in Washington is the top pricing bucket. Conventional risk-based pricing adjustments are minimal and you qualify for the best wholesale pricing tiers. Use the tabs to switch between Conventional, FHA, and VA.
Can I get a Conventional loan in Washington with 780 FICO?+
Yes. 780 is comfortably above the 620 Conventional minimum in Washington.
Is FHA or Conventional better at 780 FICO in Seattle?+
Usually Conventional at 780 FICO in Seattle - the Conventional risk-based adjustments shrink at this score and you avoid upfront MIP.
What is the Washington loan limit at a 780 FICO?+
Loan limits in Washington are not driven by FICO - they are set by FHFA based on county home prices. The 2026 baseline conforming limit is $806,500. Some Washington counties exceed this up to $1,209,750. Your FICO affects rate and approval, not loan size.
Are mortgage rates for 780 FICO different in Washington vs other states?+
No - rates are uniform nationally. Lenders do not adjust mortgage pricing by state. Property taxes, insurance, and DPA programs differ, which affect total payment but not interest rate.
Is the $2,000 Best Price Guarantee available at 780 FICO in Washington?+
Not in Washington - the program excludes WA. Washington buyers still get wholesale pricing and $0 origination on Rate Direct.
Apply at 780 FICO in Washington
Wholesale pricing, $0 origination, $2,000 guarantee on qualifying loans.
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