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Mortgage Lender Vancouver Washington

Home Loans In Vancouver, Washington

Vancouver is a city in Clark County on the north bank of the Columbia River in the state of Washington. Vancouver, incorporated in 1857 and with a population of more than 191,000, is the fourth-largest city in Washington state. Vancouver is the county capital of Clark County and a component of the Portland-Vancouver metropolitan region, the 25th largest in the United States. The city was founded in 1825 around Fort Vancouver, a fur-trading outpost. It is located on the Washington–Oregon border along the Columbia River, immediately north of Portland, and is considered a suburb of the city and its surroundings.

The housing market in Vancouver has positive trends in 2023. The median home price is around $470k – $489k, representing a 4% increase over the previous year. Overall, the Vancouver housing market is going in a good direction in 2023, but prices are still higher than average. The market is strong, with homes selling quickly.

Types of Home Loans in Vancouver

Vancouver provides access to a variety of mortgage options. They include conventional fixed-rate, adjustable-rate, and government-backed mortgages such as FHA, VA, and USDA loans.

  • FHA Loans

Federal Housing Administration (FHA) loans are offered by mortgage lenders but are insured by the federal government. This government insurance distinguishes them from traditional or standard mortgages. FHA loans often offer smaller down payments and more flexible credit score requirements than conventional loans, making them a popular option for first-time homeowners and individuals with not-so-perfect credit scores. A credit score of 580 is required.

  • VA Loans

Military veterans, active-duty service members, and spouses are only eligible for VA loans. VA loans allow borrowers to finance the entire purchase without having to make a down payment, and borrowers may also qualify for lower interest rates.

  • USDA Loans

The United States Department of Agriculture offers USDA loans to assist low- and moderate-income borrowers in rural areas to become homeowners. USDA loans are a popular option for those who meet the requirements because they have low-interest rates and no down payment. However, the subject property must be within the USDA-eligible area map to qualify for USDA financing.

Government-backed mortgage loans, such as FHA, VA, and USDA loans, have more flexible restrictions, such as lower down payment and credit score requirements. However, certain conditions, such as income limits or location criteria, may apply to these loans.

  • Conventional Fixed Rate

Conventional fixed mortgages carry the same interest rate for the duration of the loan. Hence, your monthly payment will be constant if you have a 30-year fixed-rate loan. Fixed-rate mortgages provide predictability and stability because borrowers know their monthly payments will be for the life of the loan. A credit score of 620 is required.

  • Adjustable Rate Mortgage

Mortgages known as adjustable-rate mortgages (ARMs) have interest rates that are subject to fluctuate over time depending on the market condition. As a general rule, adjustable-rate mortgages (ARMs) have lower initial interest rates than fixed-rate mortgages, which makes them an appealing choice for borrowers who intend to relocate or refinance before the rate adjusts. Yet, ARMs are notorious for their unpredictability and might lead to larger monthly payments if interest rates increase.

Personal preference and financial goals typically play a role when deciding between a fixed-rate and adjustable-rate mortgage. Fixed-rate mortgages provide predictability and stability, whereas adjustable-rate mortgages may provide lower initial interest rates but may be riskier if interest rates rise. Finally, borrowers should consider their options and select the mortgage that best meets their needs and financial position.

Apply For A Home Loan In Vancouver

Capital House Mortgage is committed to making buying a home fun for all of our clients and ensuring they are happy the whole time. We know the importance of keeping a sense of urgency when dealing with real estate deals. Because of this, we ensure we have all the tools and resources needed to speed up the time it takes to ask for a loan, approve it, and close your loan.

Call us at (253) 528-4417, and we will gladly assist you with obtaining a home loan in the Vancouver area.

Why Vancouver 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

Vancouver 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
Vancouver Mortgage Programs

Vancouver Home Purchase

Thinking of Buying an Vancouver 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

Vancouver renovation home loans

Looking to Rehab an Vancouver 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

Vancouver FHA Home Loans

Great for 1st Time Vancouver 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

Vancouver VA Home Loans

100% Financing for Vancouver 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

Vancouver Conventional Home Loans

Flexibility for Vancouver 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

Vancouver Jumbo Home Loans

Vancouver 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

Vancouver USDA Home Loans

100% Vancouver 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

Vancouver Native American Home Loans

Vancouver 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

Vancouver Manufactured Home Loans

Great Alternative Vancouver Housing

Vancouver reverse mortgages

Your Vancouver 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

Vancouver Non QM Home Loans

Making Vancouver 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

Vancouver One Time Close mortgages

Build Your Vancouver 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

Vancouver Refinance Mortgage Loans

Vancouver 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

Vancouver Cash-out Home mortgages

Vancouver 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

Vancouver Mortgage Programs

Vancouver Home Purchase

Thinking of Buying a Vancouver 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

Vancouver renovation home loans

Looking to Rehab a Vancouver 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

Vancouver FHA Home Loans

Great for 1st Time Vancouver 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

Vancouver VA Home Loans

100% Financing for Vancouver 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

Vancouver Conventional Home Loans

Flexibility for Vancouver 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

Vancouver Jumbo Home Loans

Vancouver 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

Vancouver USDA Home Loans

100% Vancouver 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

Vancouver Native American Home Loans

Vancouver 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

Vancouver Manufactured Home Loans

Great Alternative Vancouver Housing

vancouver reverse mortgages

Your Vancouver 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

Vancouver Non QM Home Loans

Making Vancouver 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

Vancouver One Time Close mortgages

Build Your Vancouver 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

Vancouver Refinance Mortgage Loans

Vancouver 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

Vancouver Cash-out Home mortgages

Vancouver 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

Vancouver 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

Vancouver Mortgage Company Reviews

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