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Mortgage Lender Kent Washington

Home Loans In Kent, Washington

The city of Kent is in King County, Washington. It is part of the Seattle–Tacoma–Bellevue metropolitan area and has a population of over 137,000, making it the fourth-largest municipality in the greater Seattle area and the sixth-largest in Washington state.

According to Redfin, the level of competition in the Kent, WA, real estate market is 66/100. Last month, the average price of a home in Kent was $600,000, a decrease of 1.2% from the previous year.

Home Loan Programs In Kent

Several home loan programs are available for homebuyers in Kent, Washington. Listed below are some loan programs along with their features, benefits, and drawbacks:

  • Conventional Loans

Conventional mortgages are the most common type of mortgage. They are not guaranteed or insured by the federal government. Conventional loans have stricter criteria for credit and down payment than FHA. First-time homebuyers may have more difficulty qualifying for a conventional loan. The minimum credit score requirement for a conventional loan is 620.

  • FHA Loans

The Federal Housing Administration (FHA) provides loans to first-time homebuyers, people with not-so-good credit ratings, and limited savings. FHA loans require a minimum 3.5% down payment and have more lenient credit requirements than conventional loans. FHA loans can make homeownership more accessible to individuals who might not qualify for a traditional loan. FHA loans do, however, require mortgage insurance, which can increase the overall cost of the loan. A minimum credit score of 580 is required to be eligible for an FHA home loan.

  • VA Home Loans

The Veterans Administration (VA) provides loans to eligible veterans, service members, and their spouses. VA loans do not require a down payment and have less stringent credit requirements than conventional loans. A VA loan has the advantage of making homeownership more accessible to qualifying veterans and service members. One disadvantage of VA loans is that they may have higher fees and closing costs than other loan programs.

  • USDA Home Loans

The United States Department of Agriculture (USDA) provides loans to low- to moderate-income rural residents. USDA home loans include no down payment requirements and flexible credit requirements. A USDA loan has the advantage of making homeownership more accessible to low- to moderate-income borrowers in rural areas. One downside of USDA loans is that they may have income restrictions and other eligibility requirements. USDA-approved lenders typically require a minimum credit score of 640 to qualify for a USDA-guaranteed home loan.

  • Jumbo Loans

Jumbo loans are non-qualified mortgage loans that exceed Fannie Mae and Freddie Mac’s loan limits. Jumbo loans are often utilized for high-value homes with a larger down payment and higher credit score requirement than conventional loans. One disadvantage is that qualifying for a jumbo loan may be more challenging, especially for borrowers with lower credit scores or limited savings. Lenders require a minimum credit score of 700 to qualify for a Jumbo loan.

Apply For A Home Loan In Kent

Purchasing a home is a monumental achievement, and Capital Home Mortgage can help make the process as simple and joyful as possible. We are a full-service mortgage firm committed to providing outstanding customer service and delivering a wide variety of mortgage products.

Contact one of our Home Loan Experts at (253) 528-4417 to get started on the path to homeownership!

Home Loans In Kent, Washington

The search for a new house can be so intimidating that you resist starting. Contrary to popular misconception, buying a home does not have to be unpleasant, daunting, or time-consuming.

How Long Does Buying a Home Take?
In today’s market, it will take a year to find and buy a property. You might spend most of that time house hunting.

Supply and demand favor sellers, making it difficult to find a home that meets your wants and budget.

Homebuying Timeline
Mortgage Preapproval (One or Two Days)
Pre-approval is the first stage in getting a mortgage. Your lender checks your finances to see how much you can afford. Your lender will send a letter with a loan estimate if you qualify.

Homebuying (3 to 6 Months)
Finding a home takes the most time. In a hot real estate market, it may take months or a year to find the appropriate home.

A local real estate agent can speed up this phase.

Offering (Depending On How The Negotiations Go)
Your real estate agent can help you make an offer and write an offer letter when you find the perfect home.

Include a Proof of Funds letter with an all-cash offer to show you can pay. Attach your mortgage pre-approval letter to your offer to show the seller you’ve been pre-approved.

Closing Your Mortgage (About 1 Month)
After signing your purchase agreement, apply for a mortgage. Most lenders take 30–45 days to complete your loan. Your lender will underwrite your loan after an appraisal to ensure your home fits mortgage criteria.

To discover any hidden issues, consider a house inspection.

Loan Closure (A Week or Less)
Closing occurs once your appraisal is approved and your lender completes underwriting.

Your lender will issue a Closing disclosure before closing, detailing your loan terms. Read it in three days.

Lenders schedule closing meetings after three days. Sign your loan documents, make your down payment and closing charges, and move in here.

Kent, WA Mortgage Lender
Kent homebuyers: Capital Home Mortgage can help you decide. We have conventional, government-backed, and jumbo home financing programs for every buyer.

Capital Home Mortgage, a top Washington mortgage lender, offers flexible underwriting, low fees, and competitive interest rates. We can help first-time homebuyers, veterans, and seasoned buyers.

Kent Mortgage Application Now!
Capital Home Mortgage strives to make homebuying enjoyable. Real estate transactions require speed. We use technology and resources to accelerate loan application, underwriting, and funding.

We’ll finish your mortgage application swiftly and on time.

We offer Kent Home Loans at (253) 528-4417.

Why Kent 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 Mortgage Payment

Kent 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
Kent Mortgage Programs

Kent Home Purchase

Thinking of Buying an Kent 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

Kent renovation home loans

Looking to Rehab an Kent 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

Kent FHA Home Loans

Great for 1st Time Kent 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

Kent VA Home Loans

100% Financing for Kent 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

Kent Conventional Home Loans

Flexibility for Kent 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

Kent Jumbo Home Loans

Kent 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

Kent USDA Home Loans

100% Kent 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

Kent Native American Home Loans

Kent 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

Kent Manufactured Home Loans

Great Alternative Kent Housing

Kent reverse mortgages

Your Kent 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

Kent Non QM Home Loans

Making Kent 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

Kent One Time Close mortgages

Build Your Kent 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

Kent Refinance Mortgage Loans

Kent 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

Kent Cash-out Home mortgages

Kent 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

Kent Mortgage Programs

Kent Home Purchase

Thinking of Buying a Kent 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

Kent renovation home loans

Looking to Rehab a Kent 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

Kent FHA Home Loans

Great for 1st Time Kent 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

Kent VA Home Loans

100% Financing for Kent 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

Kent Conventional Home Loans

Flexibility for Kent 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

Kent Jumbo Home Loans

Kent 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

Kent USDA Home Loans

100% Kent 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

Kent Native American Home Loans

Kent 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

Kent Manufactured Home Loans

Great Alternative Kent Housing

Kent reverse mortgages

Your Kent 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

Kent Non QM Home Loans

Making Kent 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

Kent One Time Close mortgages

Build Your Kent 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

Kent Refinance Mortgage Loans

Kent 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

Kent Cash-out Home mortgages

Kent 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

Kent Washington Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Kent Mortgage Company Reviews

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