Washington State Mortgages, Made Clear. Buying or Refinancing? Let's find the right loan together.
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All sarcasm aside, if you want to buy or refinance a home, think twice before going deeper into debt.
If buying or refinancing a home in Washington state is on your radar, please contact me – I’m happy to help you with your mortgage needs and develop a game plan.
This morning Freddie Mac released their Prime Mortgage Market Survey which revealed that last weeks rates hit another low for this year.
If you are interested in seeing if refinancing makes sense, I am happy to review your scenario and provide you with a no-hassle rate quote. Of course I’m happy to help you buy a home too. 🙂 Click here to start the preapproval process.
UPDATE: Student Loans and Qualifying for a Mortgage in Washington State (2026 Guide)
Tonight HUD announced that they are backing off how they have been treating student loan debts for people who are trying to qualify for a mortgage.
From HUD’s announcement:
“…FHA believes that its approach provides the appropriate balance between expanding access to credit and ensuring that the borrower is able to maintain successful, long-term homeownership.
Fannie Mae HomeReady Mortgage Program in Washington StateThe Fannie Mae HomeReady mortgage is a popular low-down-payment home loan designed to help first-time and repeat homebuyers in Washington State achieve homeownership with more flexibility than many traditional mortgage programs.
With just 3% down, reduced mortgage insurance, and flexible income guidelines, HomeReady can be an excellent option for buyers in the Seattle area, King County, and throughout Washington — especially when layered with eligible down payment assistance programs.
Update: This article reflects current HomeReady mortgage guidelines for 2026. Loan limits, income caps, and program details are subject to change — always verify eligibility before applying.
