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Marysville Home Loans

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Mortgage Lender Marysville Washington

Home Loans In Marysville, Washington

Marysville is a city in Snohomish County, Washington, 35 miles north of Seattle and part of the Seattle metropolitan area. The housing market in Marysville is competitive, with an average median price of $608k.

The conforming and FHA loan limits for Snohomish County in 2023 are the same. It is $977,500 for a one-unit property, $1,251,650 for a duplex, $1,512,650 for a tri-plex, and $1,879,850 for a four-plex, respectively.

Mortgage Loan Programs in Marysville

Various home loan programs are available in Marysville, from conventional to government loans. Here are the most prevalent mortgages in Marysville, Snohomish County:

  • FHA Loans

FHA loan is a mortgage insured by the Federal Housing Administration (FHA). It is designed for low-to-moderate-income borrowers and is popular among first-time homebuyers due to its relaxed requirements. A minimum credit score of 580 is required to qualify for a 3.5% down payment. However, borrowers with a score from 500 – 579 may be eligible with a minimum of 10% down payment.

The Section 184 Indian Home Loan Guarantee Program is an FHA program specifically designed for American Indian and Alaska Native families and is available in Snohomish County. It was created by the Department of Housing and Urban Development (HUD) to improve access to capital for Native Americans and provide private funding opportunities for tribal housing agencies.

  • VA Loans

The US Department of Veterans Affairs guarantees a portion of the loan and is available for active duty service members, spouses, or dependents. It is a no-money-down program with particular eligibility requirements. To qualify, you must have satisfactory credit, sufficient income to meet the expected monthly mortgage payments and have a valid Certificate of Eligibility (COE).

  • USDA Loans

USDA home loans are guaranteed by the US Department of Agriculture and are only available in rural areas. They are also known as USDA rural development loans or USDA mortgages. USDA home loan requires no down payment, but borrowers must meet specific credit, income, and property requirements.

The maximum loan limit for USDA loans in Snohomish County for 2023 is $713,000. Borrowers must have a minimum credit score of 640 and stable employment to qualify for USDA home loans in Snohomish County.

  • Conventional Loans

A Conventional loan is any mortgage loan not insured or guaranteed by the federal government. A conventional-conforming loan meets the guidelines and funding requirements of the Government Sponsored Enterprises (GSE) Fannie Mae and Freddie Mac. A credit score of 620 is usually required to be eligible for a conventional mortgage.

Apply for a Home Loan in Marysville

If you’re looking to buy or relocate to Marysville, you owe it to yourself to check out Capital Home Mortgage. We are a direct lender and offer various mortgage programs to suit every borrower’s needs and budget.

Call us at (253) 528-4417 to speak with one of our Washington Home Loan Experts. We will guide you all the way to homeownership!

Home Loans In Marysville, Washington

Sometimes the search for a new home can seem so long and hard that you don’t even take the first step. But buying a home doesn’t have to be as stressful, overwhelming, or time-consuming as people say it is.

How long does it take to buy a new house?
Based on how the market is right now, it will probably take you about a year to find and buy your next home. You might spend most of that time looking for a good place to live.

The forces of supply and demand have tipped in favor of sellers, making it harder to find a home that fits your needs and budget.

Homebuying Timeline
Getting a loan approved ahead of time (One or Two Days)
The first step in getting a mortgage is to apply for pre-approval. Your lender will check your financial information to see how much you can afford. If you meet the requirements, your lender will send you a letter with an official estimate of how much of a loan they are willing to give you.

Looking for a new place to live (3 to 6 Months)
The part of buying a home that takes the most time is often looking for the right house. In a hot real estate market, it could take you a few months to a year to find a home that meets all your needs.

Working with a real estate agent who knows the area and market well is the best way to speed up this step.

Making An Offer (Depending On How The Negotiations Go)
When you’ve found the perfect home and are ready to buy, your real estate agent can help you make an offer and write an offer letter that spells out the terms of the sale.

If your offer is all cash, you should include a “Proof of Funds” letter to show that you have the money to complete the deal. If you want to get a mortgage, include a pre-approval letter with your offer to show the seller that a lender has already approved you for a loan.

Getting your mortgage finalized and getting ready for closing (About 1 Month)
You’re ready to apply for a mortgage now that you’ve signed the purchase agreement. Most lenders need 30–45 days to work out the details of your loan. Your lender will set up an appraisal to make sure your home meets the minimum requirements of your mortgage. After that, your loan will be underwritten.

During this time, you might also want to get a home inspection to see if there are any problems with the property that you weren’t told about.

The End of Your Loan (A Week or Less)
When both your appraisal and your lender’s review of your loan are done, it’s time to close.

Your lender will give you a document called Closing disclosure that explains the terms of your loan before the closing. At least three days are given to you to read it.

Your lender will set up a meeting to close the deal after three days. This is where you sign your loan papers, pay your down payment and closing costs, and take ownership of your new home.

Mortgage Lender In Marysville, WA
If you want to buy a new home in Lacey, Capital Home Mortgage can help you understand the process and make the best choice. We have a wide range of home loan programs to meet the needs of all buyers, including conventional loans, loans backed by the government, and jumbo loans.

Capital Home Mortgage is one of the most important mortgage lenders in Washington. We offer our clients a flexible underwriting policy, low fees, and competitive interest rates. We are here to help you whether you are a first-time buyer, a veteran in active duty or a veteran who has retired.

Apply for a home loan in Marysville right away!
Capital Home Mortgage is dedicated to giving our clients a good time when they buy a home. In real estate deals, we know that time is of the essence. Because of this, we make sure we have the right tools and technology to speed up the loan application, underwriting, and funding processes.

You can count on us to finish your mortgage application quickly and easily and to close on time.

Call us at (253) 528-4417 if you want a Marysville Home Loan; we’re ready to help.

Why Marysville HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Payment

Marysville Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Marysville Mortgage Programs

Marysville Home Purchase

Thinking of Buying an Marysville Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.

  • Primary, Secondary, Investment
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo, Non QM
  • Reverse, Renovation, Manufactured

Marysville renovation home loans

Looking to Rehab an Marysville Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not look at a renovation loan?  Purchase the Perfect Home and make it your own. Call today.

  • Remodel, Renovate or Repairs
  • FHA 203K Streamline or full
  • fannie mae homestyle reno
  • freddie mac home choice reno

Marysville FHA Home Loans

Great for 1st Time Marysville Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores OK

Marysville VA Home Loans

100% Financing for Marysville Veterans

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.

  • Simply Qualifying for Veterans
  • No Down Payments Requirements
  • Lower Credit Scores Accepted
  • Manual Underwriting Allowed

Marysville Conventional Home Loans

Flexibility for Marysville Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a Loan Officer.

  • Primary, 2nd Home, Investment
  • Great Rates & Low Fees 
  • Single Family and Multi-Family
  • Renovation Loan Programs

Marysville Jumbo Home Loans

Marysville Non Conforming Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits.  Call today to speak to a loan officer.

  • Primary Residence and 2nd Homes
  • Higher Loan Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Marysville USDA Home Loans

100% Marysville Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.

  • Rural Properties Only
  • Primary Residence Only
  • Geographic Restrictions
  • Income REstrictions

Marysville Native American Home Loans

Marysville HUD 184 Home Loans

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.

  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Marysville Manufactured Home Loans

Great Alternative Marysville Housing

Marysville reverse mortgages

Your Marysville Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.

  • primary residence only
  • simple qualifying – equity based
  • credit scores not applicable
  • Minimum age 62

Marysville Non QM Home Loans

Making Marysville Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.

  • Purchase, Rate and Term & Cash-out
  • Primary, Secondary and Investment
  • Full Doc & Bank Statements Programs
  • Corporations OK

Marysville One Time Close mortgages

Build Your Marysville Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.

  • Primary Residence Only
  • Close Once
  • Lock Rate at Contract
  • Traditional Final Mortgage

Marysville Refinance Mortgage Loans

Marysville Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Marysville Cash-out Home mortgages

Marysville Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.

  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Vacation or Education

Marysville Washington Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Marysville Mortgage Company Reviews

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