Don Collings, Mortgage Loan Officer
Don Collings has been in the mortgage business for over 30 years. He has always enjoyed helping and educating his clients with the right product and breaking down the loan process. Don is serves all of Washington, with a focus on Whatcom, Island, Skagit, and Snohomish counties.
Request a Custom Quote from Don
Mortgage rates as low as:
6.795%
APR
30-year Fixed Rate Purchase
6.819%
APR
30-year Fixed Rate Jumbo Purchase
6.428%
APR
15-year Fixed Rate Refinance
6.322%
APR
15-year Fixed Rate Purchase
Start Your Loan Application Online
Apply for preapproval, purchase, refinance, or construction loans.
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Documentation Checklist
- Proof of identity: Driver's license or other government-issued photo ID, SSN, signature
- Proof of Income: W-2 wage statements from past two years
- Proof of asset: Bank statements and/or investment account statements
- Employment verification: Pay stubs or business statements for self-employment
- Credit report will be pulled during the application based on ID provided
Purchase: Conforming Loan Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 6.750% | 6.795% | .125 | $450,000.00 | $2918.69 |
| 15-year Fixed Rate Purchase | 6.250% | 6.322% | .125 | $450,000.00 | $3858.40 |
Interest Rates Effective: 12/20/2024
Rates listed are for primary residence in single family home with a 25% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Jumbo: Purchase Loan Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Jumbo Purchase | 6.750% | 6.819% | .375 | $900,000 | $5837.38 |
| 15-year Fixed Rate Jumbo Purchase | 6.625% | 6.718% | .250 | $900,000 | $7901.94 |
Interest Rates Effective: 12/20/2024
Rates listed are for primary residence in single family home of $1,200,000 with a 25% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.
Refinance: Rate-and-Term Refi Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 6.875% | 6.920% | .125 | $450,000.00 | $2956.18 |
| 15-year Fixed Rate Refinance | 6.375% | 6.428% | .000 | $450,000.00 | $3889.13 |
Interest Rates Effective: 12/20/2024
Rates listed are for primary residence in single family home with 25% equity and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest (P&I) only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.