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  • Washington Home Loans

Washington Home Loans & Mortgage Services

Buying or refinancing a home in Washington State? Prism Lending Partners provides expert guidance and competitive mortgage options tailored to Washington’s diverse housing markets from Seattle and Bellevue to Spokane, Vancouver, and the Tri-Cities. Whether you’re a first-time home buyer in Washington, looking for FHA or VA home loans, or exploring refinance options, our Washington-licensed loan specialists help you navigate every step with clarity and confidence.
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    • About Loans

    First Time Home Buyers in Washington State

    Buying your first home in Washington? Our team specializes in helping first-time buyers understand their options, secure competitive rates, and access potential Washington down payment assistance programs. We walk you through credit requirements, budgeting, pre-approval, and every milestone from offer to closing.
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    what we offer

    Washington Mortgage Programs We Offer

    Washington borrowers have a variety of loan options depending on their goals, property type, and financial situation. Prism Lending Partners provides:

    Conventional Loans 

    Ideal for well-qualified buyers seeking competitive Washington state mortgage rates.

    FHA Loans in Washington

    Home loans with flexible qualification options, including down payments as low as 3.5%.*

    Washington VA Loans

    Exclusive benefits for eligible veterans, active-duty service members, and their spouses.

    Investment Loans

    Debt service coverage ratio (DSCR) loans provide investment financing based on the property's cash flow rather than personal income.

    Jumbo Loans for High-Cost Areas

    Perfect for luxury homes or high-cost markets like Seattle, Kirkland, and Bellevue.

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    • Our Support

    Washington Real Estate Markets We Serve

    Washington’s housing markets are diverse and so are the needs of local buyers. We proudly serve the entire state of Washington, including major regions such as:

    • Vancouver & Southwest Washington
    • Seattle & the Greater Puget Sound
    • Spokane & Eastern Washington
    • Tacoma, Olympia, Everett, and more
    No matter where you’re buying, our licensed experts understand Washington-specific requirements, market conditions, and appraisal expectations.
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    Start Your Washington Home Loan Today

    Ready to purchase or refinance a home in Washington? Our team makes the process simple from your first conversation to the final closing documents. Apply online in minutes or schedule a consultation with one of our knowledgable Washington loan officers today.
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    • Our advantages

    Why Choose Prism Lending Partners in Washington

    From high-cost metro areas to more rural communities, Washington buyers benefit from our personalized approach:

    • Our education first process
    • State licensed loan professionals
    • Deep knowledge of Washington lending guidelines
    • Fast digital pre-approvals
    • Transparent rates and communication
    • Support for every major loan program used in Washington
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    Frequently Asked Questions

    How much do I need for a down payment on a home in Washington?
    Down payment requirements in Washington depend on the loan type you choose. First-time homebuyers in Washington may qualify for conventional loans with as little as 3%* down or FHA loans with 3.5%* down. Eligible veterans and active-duty military members can use VA loans in Washington with 0% down.
    Most conventional home loans in Washington require a minimum credit score of 620, while FHA loans may allow scores as low as 580 with a 3.5%* down payment. VA loans are more flexible, depending on lender guidelines.
    Washington mortgage rates vary based on your credit profile, loan type, down payment, and market conditions. At Prism Lending Partners, we shop multiple lenders to help you secure the most competitive home loan rates available for your situation.
    Yes. We specialize in self-employed mortgage loans in Washington, including bank statement loans, Non-QM loans, and asset-based qualification programs. These options allow business owners and entrepreneurs to qualify without traditional W-2 income.
    Absolutely. We offer investment property loans in Washington, including DSCR loans, short-term rental financing, and portfolio loans for real estate investors purchasing long-term rentals or Airbnb properties.
    Most home loans in Washington close within 25–35 days, depending on loan type, appraisal timing, and documentation. Our team works to keep your transaction moving efficiently and on schedule.
    A mortgage broker in Washington works with multiple lenders to find you the most competitive loan options, while a lender only offers their own in-house products. Brokers give you more flexibility, access to better solutions, and personalized strategies.
    Yes. We help homeowners refinance in Washington for lower rates, better loan terms, removing PMI, or accessing equity through cash-out refinancing.
    Yes. We proudly support veterans and active-duty service members with VA home loans in Washington, offering benefits such as no down payment, no PMI, and competitive interest rates.
    We specialize in helping first-time home buyers in Washington understand the loan process, explore down payment assistance programs, and secure financing that fits their long-term financial goals.