Buying a home is one of the most important financial decisions you’ll ever make — and understanding the mortgage process is key to making confident, informed choices.
Editor’s note: This post covers a Freddie Mac underwriting update effective September 2, 2026. If you’re new to manufactured home financing generally, start with my Manufactured Home Financing Options in Washington State guide — this post covers one specific new eligibility path.
For years, one sentence could stop a manufactured home purchase or refinance in its tracks: “the home has been moved.” If a manufactured home had been installed at one location and later relocated to a different property, it was generally ineligible for conventional financing through Freddie Mac. [Read more…]
If you own a condo in Washington and you’re thinking about selling, this one’s for you. Most sellers get their home ready with paint and staging — but very few think about whether their condo project itself is financeable and what the financing options are.
Escalation clauses come up in almost every competitive Seattle-area offer conversation, but most buyers have never seen how one is actually structured. Here’s how they work, what they protect you from, and where they can work against you.
This post compares the ownership structures of townhomes and condos in Washington State — what you actually own, what you’re responsible for, and how that affects your monthly costs and financing.
This post explains how lenders calculate post-closing reserve requirements under conventional (conforming) guidelines, and how FHA, VA, jumbo, and Non-QM programs differ. Reserve rules vary by lender overlay, so figures here reflect agency minimums — always confirm current requirements with your loan officer before making financial plans.
