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Everett Home Loans

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Mortgage Lender Everett Washington

Home Loans In Everett, Washington

Everett is the county seat of and the largest city in Snohomish County, Washington. It serves a diverse community of more than 110,000 residents located 25 miles north of Seattle. The real estate market in Everette is most competitive, scoring 93 out of 100 with an average median price of $600k last year.

Deciding whether or not to purchase a home is a significant decision. But how do you know if you should buy a house or continue to rent?

Let’s go over some of the bases you need to cover before buying a home

Signs You’re Ready To Buy A Home

  • You Have Your Debts Under Control

Do you believe you’re ready to get a mortgage and buy a house? These indicators will tell you whether or not you’re prepared to take the leap.

  • You Have Your Debts Under Control

Everyone is in debt in some way or form, whether from student debt, credit card, or something else. Still, if you’re paying off all your monthly obligations on time and well on your way to becoming debt-free, it might be time for you to consider homeownership and start saving some of your extra cash flow towards a down payment.

  • Your Credit Score Is Up To Par

Your credit score has a significant impact on your ability to obtain a home loan. It is usually lower when you are just starting your career or have recently graduated from college but will improve as you pay down your debts and demonstrate that you are a responsible borrower over time. With a credit score of at least 620, you can qualify for most mortgages.

  • You Have Money Set Aside For The Purchase

Contrary to popular belief, you do not need a 20% down payment to purchase a home. Though putting a sizeable down payment comes with excellent benefits, it is now possible to buy a home with as little as 3% down on a conventional loan or 3.5% down on an FHA loan

Buying a home should make sense if you have the funds to cover the required down payment and closing costs and are earning enough to afford the monthly mortgage payments comfortably. 

  • You Have A Stable Income

A consistent source of income is essential for making mortgage payments on time. When determining how much money they will lend you, Lenders will also consider your regular income.

While there is no set minimum income required to purchase a home, there are ways to determine whether you have enough cash flow to qualify for a loan. One method is to compute your debt-to-income ratio (DTI), which lenders use to assess a borrower’s financial capability to take on additional debt. Lenders typically prefer borrowers with a DTI of less than 45%.

  • You Need More Space

If you’re single or living with a partner, you might be perfectly content in a one-bedroom apartment. But if you want to have children or start a family, you may need a much bigger place to live comfortably. Even one additional bedroom can make a significant difference.

  • You’re In It For The Long Haul.

A home is a significant financial commitment, and most mortgages are for 15 to 30 years. While you don’t have to stay in your home for that long, you should at least make sure that you’ll be living in it for the foreseeable future.

Don’t purchase a home just yet if you still have no idea where your career is going or whether you’ll be staying in the same city for the next few years.  However, if you intend to settle down in one place and start a family, buying a home would be a wise decision.

Mortgage Lender In Everett, WA

Are you ready to take the first step in your homeownership journey?

Buying a home is an important financial decision. Homebuyers need to work with professionals who can guide them through the process and help them make the right choice.  

At Capital Home Mortgage, we prioritize educating our clients and making sure they understand mortgages before they take the plunge. We offer a wide range of home loans – from conventional loans to government-backed loans such as VA loans, FHA loans, and USDA loans – and a flexible underwriting policy that accommodates borrowers of all types.

Become A Homeowner Today!

Should you decide that it’s the right time to buy a home, we have the necessary technologies and resources to expedite the loan application, underwriting, and funding processes. You can count on us to complete the mortgage process on schedule and make your home buying journey as pleasant an experience as possible. Call today at (253) 528-4417. 

Why Everett HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Control of the Loan from Application to Funding

Great Rates & Low Fees

Direct Lender Providing Competitive Rates and Low Fees

Exceptional Customer Service

7  Day a Week Support Application to Final Mortgage Payment

Everett 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 the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Everett Mortgage Programs

Everett Home Purchase

Thinking of Buying an Everett Home?

Looking to Purchase a Home? We have the loan 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

Everett renovation home loans

Looking to Rehab an Everett Home?

What 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

Everett FHA Home Loans

Great for 1st Time Everett 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

Everett VA Home Loans

100% Financing for Everett 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

Everett Conventional Home Loans

Flexibility for Everett 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

Everett Jumbo Home Loans

Everett 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

Everett USDA Home Loans

100% Everett 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

Everett Native American Home Loans

Everett 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

Everett Manufactured Home Loans

Great Alternative Everett 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
  • OTC Land/ Home Combo
  • Lock Rate Before Completion
  • FHA, VA, USDA, & Native Loans

Everett reverse mortgages

Your Everett 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

Everett Non QM Home Loans

Making Everett 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

Everett One Time Close mortgages

Build Your Everett 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

Everett Refinance Mortgage Loans

Everett 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

Everett Cash-out Home mortgages

Everett 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

Everett Washington Mortgage Team

Kathy Rubin

Sr Loan Officer
NMLS 204449

Damon Embler

Sr Loan Officer
NMLS 882260

Matt Williams

Sr Loan Officer
NMLS 1945867

Dale Gremillion

Manager
NMLS 210325

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