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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.

Home Loans In Vancouver, Washington

How long does the process of buying a brand-new home take, on average?
Because of how the housing market is right now, it is likely that you will spend close to a year looking for and negotiating the purchase of your new home. Most of that time will probably be spent looking for the perfect place to live.

Because of how supply and demand interact, the scales are currently tipped in favor of sellers. This makes it much harder to find a piece of real estate that meets both your needs and your budget in the current market.

Homebuying Timeline
Getting your mortgage application approved before you send it in (One or Two Days)
To get a mortgage, the first thing you need to do is fill out a pre-approval form. During this step, your lender will check the financial information you gave them to figure out how much of a mortgage you can afford. If you are approved for the loan, the financial institution that will handle it for you will send you a letter with an official estimate of how much money they are willing to lend you.

Looking for a new place to live (3–6 months): The search for the perfect house to buy usually takes the most time out of all the steps in the home-buying process. If the housing market is especially competitive, it could take you anywhere from a few months to a whole year to find a home that meets all of your needs. During this time, you will look for the perfect home for you.

To get through this part of the process as quickly as possible, it’s best to work with a real estate agent who knows both the neighborhood and the current state of the market.

Making An Offer (Depending On How The Negotiations Go)
When you’ve found the house of your dreams and are ready to buy it, your real estate agent can help you make an offer and write up an offer letter that spells out the terms and conditions of the deal. Once you’ve found the home of your dreams and are ready to buy, you’ll be able to do this.

If you make an offer that can only be paid for in cash, you should include a letter saying that you have the money to complete the deal if you want the offer to be taken seriously. If you want to get a mortgage, your offer should come with a letter from a lender saying that you have been pre-approved. This will show the seller that you can get a loan, which will make it more likely for them to accept your offer.

Follow these steps to put the finishing touches on your mortgage and get ready for the closing. (Roughly one month)
Since both parties have now signed the purchase agreement, it’s possible that the mortgage application process can now start. Most loan companies need between 30 and 45 days to finalize the terms of your loan. First, your mortgage lender will do an underwriting on your loan. Then, they will set up an appraisal of your home to see if it meets the most important criteria for getting a mortgage. Your loan will be approved if it does.

During this time, you should also think about getting a home inspection done to find out if there are any problems with the property that you didn’t know about before.

Getting Your Loan Process Done (A Week or Less)
After your lender has finished underwriting your loan and the appraiser has given the all-clear, it is time to close on your property.

Your lender will give you a document called the Closing disclosure in the days before the closing. This document gives you an overview of the terms of your loan. You have at least three days until the deadline to finish reading it.

After three days, your lender will get in touch with you to set up a time for the closing. At this time, you’ll sign the paperwork for your mortgage loan, take ownership of your new home, and pay your closing costs and down payment.

Mortgage Lender In Vancouver, WA
Have you considered buying a brand-new house in the Bellevue area? Capital Home Mortgage can guide you through the process and help you choose the best option for your needs. Conventional loans, government-backed loans, and jumbo loans are just a few of the options you can get from our business to meet the needs of every potential client.

Capital Home Mortgage is one of the most well-known mortgage lenders in the state of Washington. We are in the enviable position of being able to offer our customers a flexible underwriting policy, low fees, and competitive interest rates. This is because Capital Home Mortgage is one of the most well-known mortgage companies in the state, which is a good thing. We are here to help you through the process of buying a house, whether this is your first time, you are a veteran who is still in the military or has retired, or you are an experienced buyer.

If you are interested in a home loan in Vancouver, please fill out this form right away.
Capital House Mortgage is dedicated to making the process of buying a home fun for all of our clients and making sure they are happy throughout the whole transaction. When it comes to dealing with real estate deals, we know how important it is to keep a sense of urgency. Because of this, we make sure we have all the tools and resources we need to speed up the time it takes to ask for a loan, get it approved, and get the money.

You can count on us to finish the application process quickly while minimizing any delays or problems that might come up.

Just give us a call at (253) 528-4417, and we’ll be happy to help you get a home loan in the Vancouver area.

Why Vancouver 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

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 the 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 a Vancouver 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

Vancouver renovation home loans

Looking to Rehab a Vancouver 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

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

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

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

Kathy Rubin

Sr Loan Officer
NMLS 204449

Damon Embler

Sr Loan Officer
NMLS 882260

Matt Williams

Sr Loan Officer
NMLS 1945867

Dale Gremillion

NMLS 210325

Vancouver Mortgage Company Reviews

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