Using Cryptocurrency for a Down Payment

using crypto to buy a home Cryptocurrency has come a long way since 2022—and so have the rules around using it to buy a home. If you’ve built wealth in Bitcoin, Ethereum, or other digital assets, you may be wondering whether that wealth can help you get into a house. The short answer: yes, with the right documentation—and in some cases, without even selling your crypto.

This post breaks down exactly what’s allowed today, what’s new as of 2025 and 2026, and what Washington State homebuyers need to know before relying on crypto for a [Read more…]

Gimme your Best Interest Rate with NO Closing Cost

Your best interest rate with no closing costsThe other day, a Redmond homeowner contacted me for a quote to refinance their home. They specifically requested scenarios for “lowest possible interest rate without paying any points or closing costs“. [Read more…]

How Much Cash Do I Need to Buy a Home besides the Down Payment?

Funds for Closing when buying a home in WAOne of the most common surprises for first-time buyers in Washington State is discovering that the down payment isn’t the only cash they need at closing. There are several other costs that require out-of-pocket funds — some before you even open escrow, and some that show up on your final Closing Disclosure.

Here’s a complete breakdown of what to budget for beyond the down payment. [Read more…]

How Much Can a Seller Pay Towards Buyer’s Closing Costs?

Seller Contributions for home buyersHow Much Can a Seller Pay Toward a Buyer’s Closing Costs? (Updated for 2026)

One of the most common questions I’m asked by homebuyers — especially first-time buyers — is:

“Can the seller help pay my closing costs?”

The short answer is yes — but how much depends on the type of loan and the terms of the purchase contract.

[Read more…]