What Mortgage Program Is Right for Me? A Plain-English Guide to Your Options
If you’ve been asking yourself “what mortgage program is right for me?” — you’re asking exactly the right question. The loan type you choose affects your down payment, your monthly payment, your interest rate, and how easy it is to qualify. And the options are more varied than most people realize.
This guide breaks down every major mortgage program in simple terms: who each one is designed for, what the key requirements are, and how to think about your own situation. If you’ve ever been told you don’t qualify — or you’re not sure where to start — keep reading. [Read more…]
VA Loan Limits for 2026 for Washington State
Today, much deserved gratitude will be shared to our Veterans. We honor their courage, sacrifice and service that allow us to have our freedom.
Many Veterans who have served our country have earned the right to have a VA mortgage loan. It’s unfortunate that some sellers as well as real estate agents have a bad image of VA loans and often discourage them. Many years ago, VA loans were sometimes more challenging than conventional financing – this is rarely the case anymore. Some people may falsely assume that if a Veteran is using a VA loan, they must have poor credit or not enough funds for a down payment. A majority of the Veteran’s I have provided mortgages for have excellent credit and plenty of funds for down payment, they opt for the VA loan because they either don’t want to use all of their funds for down payment, or the VA mortgage loan could be providing a lower interest rate than what they would receive with conventional financing. 
