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mortgages Buying a Home - Washington Real Estate and Mortgages

Buying a Home - Washington mortgages, down payment assistance and first time home buyer grants for buying Washington real estate.

Research the available Washington mortgages and home loan programs for buying Washington real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Washington real estate. 


Government grants for buying a home

Here are some links for government grants for buying a home in Washington.

Statewide Programs

Washington State Housing Finance Commission (800) 767-4663 http://www.wshfc.org/buyers/education.htm

Community Home Ownership Center (CHOC) Homeownership Hotline
(800) 317-2918 (WA State outside Seattle metro)
(206) 587-5641 (outside WA State or in Seattle metro area)
http://www.choc-wa.org/

Western Washington

HomeSight - (Seattle, King County, Snohomish County) (206) 723-4355 http://www.homesightwa.org/

Pierce County Housing Programs (253) 798-7038 
http://www.co.pierce.wa.us

Kitsap Housing Coalition - call Laura Paton at (360) 535-6153 for a class schedule http://www.kccha.com/comserv/khc/resources.html

Community Housing Resource Center - (Vancouver and SW Washington) (360) 690-4496 or toll-free (877) 690-4496
http://www.home-ownership-center.org/home.htm

Homeownership Center of Tacoma (253) 627-6560 or email Staff@HCTHomes.org http://www.hcthomes.org/

Aberdeen Neighborhood Housing Services - (Grays Harbor County) (360) 533-7828 http://www.aberdeen-nhs.com/programs.htm

Eastern Washington

Benton Franklin Community Action Committee - (509) 545-4058 or email dodom@bfcac.org
http://www.bfcac.org

Spokane Homeownership Resource Center - (509) 343-7472 or email diana@shorc.com http://www.shorc.com/eduction.htm

Downpayment Assistance and Other home buying Resources

Statewide Programs

Washington State Housing Finance Commission (800) 767-4663  
 
http://www.wshfc.org/buyers/index.htm

USDA Rural Development Direct Homeownership Loans (rural Washington State) (360) 704-7753
http://www.rurdev.usda.gov/wa/dhol.htm

USDA Rural Development Direct Homeownership Loans (rural Washington State) (360) 704-7753
http://www.rurdev.usda.gov/wa/dhol.htm

Fannie Mae's HomeChoice program for People with Disabilities (800) 732-6643 http://www.fanniemae.com

Habitat for Humanity - search for your local affiliate
http://www.habitat.org/local/

US Bancorp Community Lending (952) 814-3459 (first-time or lower-income homebuyers)

Western Washington

HomeSight (Seattle, King County, Snohomish County) (206) 723-4355
http://www.homesightwa.org/

Hometown Home Loans (Seattle, Tacoma, Vancouver, Snohomish County) email: hthl@homestreetbank.com http://www.homestreetbank.com

Pierce County Housing Programs (253) 798-7038 http://www.co.pierce.wa.us

Housing Authority of Snohomish County Homes for Sale (425) 290-8499
 
http://hasco.org/page3.html

Kitsap Housing Coalition
http://www.kccha.com

City of Tacoma (253) 591-5219
http://www.cityoftacoma.org/34housing/default.asp

Homeownership Center of Tacoma (253) 627-6560 or email Staff@HCTHomes.org http://www.hcthomes.org/

El Centro de la Raza Latino Homeownership Program (206) 329-7960

Hometown Home Loan Program (for University of Washington employees) (206) 628-0207
http://www.washington.edu

Eastern Washington

Blue Mountain Action Council (509) 529-4980 Self-help housing program or email bmac@bmacww.org
http://www.bmacww.org/programs.htm

City of Kennewick Housing Program (509) 585-4431 or email Kc-decker@ci.kennewick.wa.us

City of Richland Housing & Redevelopment (509) 942-7580 or email josiew@ci.richland.wa.us    
http://www.ci.richland.wa.us/housing/housing.html

Consumer Credit Counseling of Tri-Cities (509) 737-1973 or email ctorrescccs@bmi.net

Community Action Center (Pullman) (509) 334-9147 or email cac@cacwhitman.com
http://www.cacwhitman.com/page15.html  

North Columbia Community Action Center (Moses Lake) (509) 765-9206

Northwest Regional Facilitators (NRF) (Spokane) (509) 484-6733 or email ken@nrf.

 

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Washington.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Washington or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Report)

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Washington.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Washington Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Washington real estate of homes for sale.

Complete the form below for direct access to the following types of Washington real estate listings:

  • Washington Real Estate Listings and MLS
  • Washington HUD Homes
  • Washington For Sale By Owner Homes
  • Washington New Homes for Sale
  • Washington Foreclosure Homes for Sale
Access Washington Real Estate Listings

You will get free unlimited access to search Washington real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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