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Equal Housing Lender
FHA loans can help borrowers with limited assets buy homes. Many up-front costs, like the 3.5% down payment, can be covered by gifts from family members.
VA loans have 100% financing – no down payment required – for U.S. veterans and some surviving spouses.
FHA and VA loans are often called government loans.
People who don’t qualify for Conventional loans have a good chance at an FHA loan. They can be used to purchase or refinance a home. Although these loans are backed by the Federal Housing Administration (FHA), they are made by private financial institutions.
Most Americans are eligible for an FHA loan. In general, you can qualify if you:
You don’t need to be a U.S. citizen, however, you must meet FHA additional requirements to be eligible.
FHA loans have a statutory limitation on their amount depending on the county of residence. So the amount you qualify for depends on your income, financial situation, credit history and location of the property. Our mortgage advisors can provide an estimate with no obligation.
Created under the GI Bill in 1944, the VA loan program guarantees veterans a mortgage with no down payment. Although these loans are made by private financial institutions, the Veterans Administration backs the loan.
Most active-duty U.S. military veterans who weren’t discharged dishonorably are eligible. Many National Guard and Reserves veterans, as well as some surviving spouses, are also eligible. Please ask our mortgage advisors about minimum service requirements based on your situation. You can always consult our advisors with no obligation.
Currently, the maximum loan amount is $417,000 ($458,850 in King and Snohomish Counties), which can include the funding fee (typically X% of loan amount). Your unique financial situation will also affect your loan amount, so please talk with our mortgage advisors for an estimate with no obligation.
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2902 Colby Ave
Everett, WA 98201
Mill Creek Mortgage
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Mill Creek, WA 98012
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Marysville, WA 98271
225 108th Ave NE
Bellevue, WA 98004
1250 N Wenatchee Ave
Wenatchee, WA 98801