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Home Loans In Seattle Washington

A seaport city on the west coast of the United States, Seattle is the largest city in Washington and the Pacific Northwest region of North America. Seattle’s housing market is competitive, scoring 82 out of 100 with an average price of $770,000, up 8.5% from last year.

Owning a home is part of the American dream for many people. And obtaining a mortgage is one of several essential steps to making that dream a reality.

If you’re thinking about becoming a homeowner and aren’t sure where to begin, you’ve come to the right place. We’ll go over the fundamentals of mortgages, the home-buying process, and more.

Mortgage Basics For Beginners

A mortgage is a type of loan used to finance real estate purchases. It is a secured loan, meaning the borrower must pledge collateral to the lender if they fail to make payments. If you stop making mortgage payments, your lender has the right to repossess your home.

Who Can Get A Mortgage?

The majority of people who purchase a home do so with the help of a mortgage. A mortgage is necessary if you cannot pay the full price of a home out of pocket.

Purchasing your home on a mortgage can also make sense even if you have the money to pay it all off, such as when you need additional funds for business or investment opportunities.

How Do Mortgages Work?

When you get a mortgage, your lender provides you the money you need to purchase the home or property you want, and you agree to repay that loan – with interest – over several years. The lender retains ownership of the home until the mortgage is paid for in full. Fully amortized loans have a predetermined payment schedule that ensures the loan is paid off at the end of the term.

One of the most important differences between a mortgage and other types of loans (such as credit card payments) is that if you fail to pay back your mortgage, your lender has the authority to sell your home to recoup the losses.

How To Obtain A Mortgage

Getting a mortgage is a relatively simple process if you have a steady job, sufficient income, and a good credit score.

Here’s a rundown of what you’ll need to do.

  • Get Pre Approved

Getting preapproved will tell you how much mortgage you’ll qualify for based on your income, financial status, and other factors. It is an important step in the process, so you don’t waste time looking for homes out of your price range. Also, real estate agents and sellers tend to take potential buyers more seriously if they have a preapproval letter with their offer. 

  • Shop For A Home

Contact a real estate agent to begin viewing homes in your area. Real estate agents are your eyes and ears in the housing market, so make sure to find somebody you can trust. An experienced real estate agent will have the means and the network to help you find a home that fits your requirements and can assist you in negotiating the price and handling all of the paperwork and details of the purchase.

  • Get Your Mortgage Approved

Once your offer has been accepted, you’ll need to do some more legwork to finalize the sale and financing of your new home.

Your lender will now verify all mortgage details, including your income, employment, and assets. They’ll also need to double-check the property details, which usually entails getting an appraisal and inspection to confirm its value and assess the home’s condition. Your lender will also hire a title company to examine the home’s title and ensure no issues that would cause problems later.

  • Close Your Loan

Once your loan has been fully approved, you will meet with your lender and a real estate professional at the title company for the closing of your loan. After paying the down payment and closing costs and signing your mortgage documents, you’ll be able to take possession of your new home!

Seattle, Washington Mortgage Lender

It’s not easy – and it’s certainly not cheap – to become a homeowner, but it’s well worth the effort. If you’re looking to relocate and purchase a home in Seattle, Capital Home Mortgage Seattle has a range of home loan programs to meet your needs and financing requirements.

We take pride in providing our clients with top-notch service and making homeownership more affordable with our low fees and competitive interest rates.

Begin Your Homeownership Journey with Us!

Capital Home Mortgage Seattle has 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. Home Loans in Seattle Washington. Call today at (253) 528-4417. 

Why Seattle 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

Seattle 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
Federal Way Mortgage Programs

Federal Way Home Purchase loans

Looking to Purchase a Federal Way 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

Federal Way Renovation Home Loans

Looking to Rehab a Federal Way 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

Federal Way FHA Home loans

Great 1st Time Federal Way 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

Federal Way va Home Loans

100% Financing for Federal Way 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

Federal Way Conventional Home loans

Flexibility for Federal Way 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

Federal Way Jumbo Home Loans

Federal Way 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

Federal Way USDA Home loans

100% Rural Federal Way 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

Federal Way Native american Home Loans

Federal Way 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

Federal Way Manufactured Home loans

Great Alternative Federal Way 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

Federal Way Reverse Mortgage Loans

Your Federal Way 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

Federal Way Non QM Home loans

Making Federal Way 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

Federal Way One Time Close Home Loans

Build Your Federal Way 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

Federal Way Refinance Mortgage loans

Federal Way 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

Federal Way Cashout Mortgage Loans

Federal Way 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

seattle Washington Mortgage Team

Dale Gremillion

Manager / Sr Loan Officer
NMLS 210325

Conor Hayhurst

Manager / Sr Loan Officer
NMLS 743506

Brad Rund

Native American Lending
Manufactured Housing

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