Capital Home Mortgage Washington

Washington Home Loans
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Washington Mortgage Lender

Home Loans in Washington

Welcome to Capital Home Mortgage Washington, where we strive to provide Washington Home Loans to Washington homebuyers and homeowners at competitive rates and fees while providing outstanding customer service.  First, we’d like to thank you for the opportunity to earn your business.  We understand that purchasing a home is the most important decision of most people’s life, which is why Capital Home Mortgage Washington offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be exciting rather than stressful.

Capital Home Mortgage Washington, as a direct Washington mortgage lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Washington is a full-service Washington mortgage lender that offers a wide range of mortgage products as well as, competitive Washington Mortgage Rates.  Whether you are a first-time purchaser seeking a Washington FHA Home Loan, looking for a rural property and needing a Washington USDA Home Loan, a Native Washington wanting to use the HUD 184  Washington Native American Home Loan, an active or retired veteran in need of a Washington VA Home Loan, or a seasoned buyer in need of a Washington Conventional Home Loan, we are here to assist.

Call today (253) 528-4417 to talk to one of our Washington Loan Officers.

Washington is located in the Pacific Northwest region of the United States.  Founded from the western half of the Washington Territory, which the British Empire gave in 1846 as part of the Oregon Treaty in settlement of the Oregon boundary dispute. It was named after George Washington, the United States’ first president.  Major Cities include Seattle, Spokane, Tacoma, Vancouver, Bellevue, Everett and Olympia, which is the capital.

Washington is known for its diverse geography, including the Cascade Range of mountains, dense forests, and a rugged coastline along the Pacific Ocean.

The state is divided into two distinct regions: Western Washington, characterized by a marine climate and urban centers, and Eastern Washington, which is drier with a more continental climate and extensive farmland.

The economy is driven by technology, aerospace, agriculture, and trade.  Seattle is a major tech hub and home to companies like Microsoft, Amazon, and Boeing.  The state is a leader in aircraft manufacturing, software development, and online retail.  Washington is a significant agricultural producer, known for apples, cherries, pears, hops, and potatoes.  The Yakima Valley and Wenatchee Valley are prominent agricultural regions.

The state is home to several universities, including the University of Washington, Washington State University, and Gonzaga University.

Washington is renowned for its scenic beauty, with national parks such as Mount Rainier National Park and Olympic National Park.  Puget Sound and the San Juan Islands contribute to the state’s maritime charm.

Seattle is a cultural hub, hosting museums like the Museum of Pop Culture (MoPOP), the Seattle Art Museum, and the Pacific Science Center.  The Space Needle is an iconic landmark in Seattle.

Outdoor enthusiasts can enjoy a variety of activities, including hiking, skiing, and water sports, thanks to the state’s diverse landscapes.  The climate varies across the state, with a maritime climate on the western side and a more continental climate on the eastern side.  In summary, Washington is a state with a diverse economy, stunning natural landscapes, a vibrant cultural scene, and a strong emphasis on technology and innovation.

Washington, particularly in major cities like Seattle, has experienced a strong and competitive housing market.  Home prices in the Seattle metropolitan area have historically been higher than the national average.

Seattle has been one of the fastest-growing cities in the United States, driven by the tech industry and job opportunities.  This growth has contributed to increased demand for housing, leading to rising home prices.

Affordability has been a concern in certain areas, especially in and around Seattle, where the cost of living is relatively high.  This can make it challenging for some buyers, particularly first-time buyers, to enter the market.

The rental market has also been competitive, with demand for rental properties driven by population growth, job opportunities, and the presence of major companies.

Washington’s economy, particularly the tech sector with companies like Microsoft and Amazon, plays a significant role in the real estate market. 

While urban areas have seen rapid development and increased property values, rural areas may have different dynamics. Some rural areas may offer more affordable housing options.

Thank you again for your interest in Capital Home Mortgage Washington and we look forward to providing your new mortgage.

Washington Home Loans

Washington Conventional Home Loans

A Washington Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Washington FHA Home Loans

Washington FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Washington FHA home loan is consistent employment history and documented income.

Washington VA Home Loans

Washington VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Washington.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Washington USDA Home Loans

Washington USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Washington Jumbo Home Loans

A Washington Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Washington Non QM Home Loans

Washington Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Washington Native american Home Loans

A Washington Native American Mortgage, also known as a HUD 184 Home Loan, is a government mortgage loan specifically for registered Washington Native Americans.  This loan offers easier credit qualifications, tribal grants and can be used to renovate the home along with the purchase.

Washington One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Washington One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Washington 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

Washington 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
Washington Mortgage Programs

Washington Home Purchase loans

Looking to Purchase a Washington 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, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Washington Renovation Home Loans

Looking to Rehab a Washington Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Washington FHA Home loans

Great 1st Time Washington 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 Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Washington va Home Loans

100% Financing for Washington Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Washington Conventional Home loans

Flexibility for Washington 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 Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Washington Jumbo Home Loans

Washington Non-Confirming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Washington USDA Home loans

100% Rural Washington 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.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Washington Native american Home Loans

Washington 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
  • Purchase, Refinance, and Renovation

Washington Manufactured Home loans

Great Alternative Washington Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Washington Reverse Mortgage Loans

Your Washington 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
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Washington Non QM Home loans

Making Washington Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Washington One Time Close Home Loans

Build Your Washington 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 Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Washington Refinance Mortgage loans

Washington 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.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Washington Cashout Mortgage Loans

Washington 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
  • Dream Vacation
  • Higher Education

Washington Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

washington Mortgage Company Reviews

Washington Cities

Seattle Home Loans

Spokane Home Loans

Tacoma Home Loans

Vancouver Home Loans

Bellevue Home Loans

Kent Home Loans

Everett Home Loans

Renton Home Loans

Spokane Valley Home Loans

Kirkland Home Loans

Federal way Home Loans

Yakima Home Loans

Bellingham Home Loans

Auburn Home Loans

Kennewick Home Loans

Pasco Home Loans

Redmond Home Loans

Sammamish Home Loans

Marysville Home Loans

South Hill Home Loans

Lakewood Home Loans

Richland Home Loans

Shoreline Home Loans

Olympia Home Loans

Burien Home Loans

Lacey Home Loans

Bothell Home Loans

Bremerton Home Loans

Puyallup Home Loans

Edmonds Home Loans

State Specific Mortgage Information

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