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December 22, 2023
Lower Mortgage Rates Could Ease Seattle Housing Costs in 2024

In this report: a review of recent mortgage rate trends at the end of 2023 and how they could help reduce Seattle housing costs in 2024.

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December 11, 2023
How to Apply for a VA Home Loan in WA State

The state of Washington currently ranks #7 in the nation when it comes to the total number of military personnel living in the state. Because of this, plenty of folks could benefit from using a VA loan to buy a house. But there are specific steps you’ll need to take to get the ball rolling. In this article, you’ll learn how to apply for a VA home loan in the state of Washington.

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December 1, 2023
What Are the Documents Needed For a VA Loan in Washington?

Military members and veterans in Washington often use VA loans when buying a home. This popular mortgage program allows borrowers to finance 100% of the purchase price, avoiding the down payment altogether. Like all government-backed mortgage programs, VA loans have specific requirements when it comes to documentation. Some document requirements come from lenders, while the Department of Veterans Affairs imposes others.

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November 20, 2023
How the FHA Amendatory Clause Works in WA State

If you buy a home in the state of Washington using an FHA loan, you will most likely be required to sign an FHA amendatory clause. The seller will have to sign it as well. This clause is sometimes written directly into the purchase agreement or real estate contract. Other times, it might be attached as an addendum to the contract. But in either case, it serves the same purpose.

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September 12, 2023
7 Things to Do Before Applying for a Mortgage Loan in Washington

There are hundreds of articles online that walk you through the different steps in the mortgage approval process. But far fewer explain the steps home buyers should take before applying for a mortgage loan, to increase their chance for success. In some ways, the preliminary steps are even more important than the ones you encounter after applying for a home loan. This is especially true when it comes to budgeting and saving. With that in mind, let’s explore some of the things you might want to do before applying for a mortgage loan in Washington.

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March 27, 2023
Preparing for the Mortgage Application Process in Washington

Home buyers in Washington tend to have a lot of questions about the mortgage application process. What is the first step when applying for a home loan? What kind of documents do I need to round up? How long does the application process take, and what happens next? Today, we will address these and other common questions about the mortgage loan application process for home buyers in Washington.

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March 15, 2023
Can Remote Workers Qualify for a Mortgage Loan in Washington?

Today, we want to shift gears and address a common question among remote workers in the state of Washington. Some employees who work remotely wonder if they are still able to qualify for a mortgage loan.

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March 14, 2023
Using Escrow Accounts When Buying a House in Washington

Today, we will talk about escrow accounts and how they are used when buying a house in Washington. This is an important concept to understand, because it relates to your down payment, closing costs and other purchase-related expenses.

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March 1, 2023
FHA Mortgage Insurance Reduced for Washington Home Buyers

Do you plan to buy a home in Washington in 2023, using an FHA loan? If so, there’s some good news you should know about. Federal housing officials recently announced that they will be reducing the annual mortgage insurance premium for FHA home loans. This change could save Washington borrowers hundreds of dollars per year, by reducing one of the recurring expenses associated with FHA loans.

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January 24, 2024
Is 2024 a Good Year to Buy a House in Tacoma, Washington?

Is 2024 a good time to buy a home in Tacoma, Washington? It sure is looking that way. Tacoma home buyers actually have a lot going for them these days, as explained below. The biggest benefits for buyers in 2023 include more inventory, more negotiating leverage, and an overall slower pace within the real estate market.

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January 5, 2023
Top 20 Tips to Negotiate the Best Deal When Buying a Home

Here is a list of the things an ideal buyer would come to the table with. This list doesn’t mean you must meet all the below requirements, but for a seller, these are the attributes of a perfect buyer and the more boxes you can check the better.

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April 4, 2022
Earnest Money in Oregon: 5 Things Buyers Should Know

Ready to think about buying a home in Oregon? Wondering how much earnest money you need to come up with? It all depends on how sure you are that the home is right for you, and how big of a statement you want to make to the seller that you’re a serious homebuyer.

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March 28, 2024
Basic VA Loan Requirements: Three Things You Need to Qualify

Explore the fundamental criteria for securing a VA home loan in our comprehensive guide. We delve into the key requirements including credit score, debt-to-income ratio, and documented income, providing insights to help military members and veterans navigate the loan process seamlessly. Whether you’re a first-time homebuyer or seeking to refinance, understanding these VA loan prerequisites is crucial for a successful mortgage application.

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March 20, 2024
How Real Estate Property Surveys Work in Washington: A Buyer's Guide

When buying a home in the state of Washington, you have an opportunity to request a real estate survey to identify the legal boundaries. Your mortgage lender might require a survey as well, if you’re financing a home purchase. As a buyer, you’ll want to know what a real estate property survey is, what it does, and how it could protect you as a homeowner in Washington. This guide answers all of those questions and more.

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February 21, 2024
Tech Employee Relocation Guide For Buying a Home in Seattle, WA

We’ve published many Seattle real estate market reports over the years, and most were geared toward home buyers. Today, we’ll offer some helpful insights for tech employees who are planning to relocate to Seattle in 2024.

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January 23, 2024
Portland Housing Market: Buyer Friendly in 2024

Portland, Oregon, home buyers could enjoy a slower real estate market in 2024, with lower home prices and mortgage rates. For these and other reasons, the Portland housing market could be more buyer-friendly in 2024 compared to the past few years. Here’s an updated look at current real estate trends across the Portland-Vancouver metro area, emphasizing the above buyer-friendly conditions.

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December 14, 2023
Seattle Housing Market in 2023: Year in Review

As we approach the end of 2023, we thought it would be helpful to take a look back at how the Seattle-area real estate market has changed over the past year. No one can predict future real estate trends with complete accuracy. But hindsight has a way of helping us prepare for the future and make more informed decisions. With that in mind, here is our 2023 year in review for the Seattle housing market.

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December 11, 2023
How to Apply for a VA Home Loan in WA State

The state of Washington currently ranks #7 in the nation when it comes to the total number of military personnel living in the state. Because of this, plenty of folks could benefit from using a VA loan to buy a house. But there are specific steps you’ll need to take to get the ball rolling. In this article, you’ll learn how to apply for a VA home loan in the state of Washington.

Read more
December 5, 2023
Buying a FSBO in WA State: Pros and Cons, and How to Do It Right

Housing market inventory across the state of Washington is expected to remain tight in 2024, as it has been for several years now. One forecast predicted that we would see a decline in the number of homes for sale next year. Because of this, home buyers in WA State should explore all avenues for finding a property. And one of those avenues involves buying a for sale by owner or FSBO property.

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October 25, 2023
What's the Most I Can Borrow for a VA Loan in Washington State?

VA loans are a popular mortgage option among military members and veterans in the state of Washington. Our state has a relatively large number of active-duty military, National Guard, reservists, and veterans. So, there are a lot of people who can benefit from this program. VA loans also tend to generate a lot of questions among borrowers, especially when it comes to the maximum amount they can borrow. Today, we will address one of these frequently asked questions: What’s the most I can borrow with a VA loan in Washington?

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January 26, 2024
Fewer Price Reductions in Seattle Housing Market: 2024 Update

The Seattle metro area housing market seems to have undergone yet another shift over the past few months. After cooling down during much of last year, the local real estate scene has been warming up again lately. The latest evidence can be found in a new report published by analysts at Realtor.com. It showed an ongoing decline in real estate listings with a price reduction. This suggests that Seattle-area sellers are less inclined to reduce their asking prices compared to a year ago.

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October 5, 2023
The Minimum Property Requirements for VA Loans in Washington

When it comes to VA loans, the home appraisal is one of the most important steps along the path toward closing. The appraisal can determine whether the property is eligible for VA-backed mortgage financing. This article will explore the minimum property requirements for VA loans in Washington, where they come from, and how they can affect you when buying a house.

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August 14, 2023
The Portland Paradox: Rising Home Prices Despite Slower Sales

Like many cities across the country, the real estate market in and around Portland, Oregon is experiencing something of a paradox in 2023. Home prices have begun rising again, despite the fact that higher mortgage rates have softened demand among buyers. This ongoing trend will affect anyone who is planning to buy a home in the Portland metro area through the rest of 2023 and into 2024. We recently published a detailed outlook for the Portland real estate market, covering a variety of housing-related factors. Today, we will focus on the counterintuitive combination of rising home prices amid slower sales.

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January 26, 2024
Boise's Housing Market Inventory Has Declined in 2024

Housing market inventory within the Boise, Idaho metro area has experienced some serious ups and downs over the past few years. The current real estate market is not as tight or competitive as it was during the past few years. Even so, inventory levels have trended downward in 2024.

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January 29, 2024
The Washington FHA Loan: A Fact Sheet for Home Buyers

As a Seattle-area mortgage company, we do our best to educate local home buyers about their different mortgage options. To continue that tradition, we’ve created an FHA loan fact sheet for borrowers in the state of Washington.

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January 5, 2024
Myths and Misconceptions About Mortgage Down Payments in WA State

For a typical home buyer in the state of Washington, the down payment represents the biggest obstacle along the path to homeownership. So it’s essential for home buyers to understand the strategies and options available to them when making a down payment on a house. It’s equally important to tune out the common myths and misconceptions relating to down payments in Washington. And that’s exactly what we will focus on here today.

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December 14, 2023
Seattle Housing Market in 2023: Year in Review

As we approach the end of 2023, we thought it would be helpful to take a look back at how the Seattle-area real estate market has changed over the past year. No one can predict future real estate trends with complete accuracy. But hindsight has a way of helping us prepare for the future and make more informed decisions. With that in mind, here is our 2023 year in review for the Seattle housing market.

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October 23, 2023
San Diego Area Real Estate Market Outlook for 2024

A recent report showed that the San Diego real estate market experienced the most significant annual increase in home prices over the past year. It also experienced significant inventory declines during that same timeframe. But what does this mean for homebuyers in 2024? What’s the general outlook and forecast for the San Diego real estate market extending into 2024?

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December 14, 2023
Data-Based Predictions for the Seattle Housing Market in 2024

Should I buy a home in Seattle over the next few months, or wait until 2024? What will the local real estate market be like next year? What’s the general outlook and forecast for the Seattle, Washington housing market in 2024? These are common questions among local home buyers who are planning to make a purchase. After several tumultuous years within the real estate market, a lot of future buyers are now scratching their heads as to how to formulate a plan. We’ve created this report to help you make a more informed decision.

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October 2, 2023
California Housing Market 2024 Predictions: New Updates

In a previous article, we speculated on the possibility that California’s home-price downturn might end. Since then, even more evidence has come to light reinforcing that analysis. For example, data from Zillow and other sources show that the median home price has risen over the past few months. A new report from the California Association of Realtors predicts home sales and prices will increase in 2024. So, let’s look at these two “upturn” predictions for the California real estate market in 2024.

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September 20, 2023
Buying a Home in the State of Idaho: 11 Key Benefits

The population of Idaho has increased significantly over the past few years, and with good reason. The state offers several benefits for those relocating from other parts of the country. It’s arguably one of the best places to buy a home, and here are some reasons why.

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September 11, 2023
Boise Home Prices Are Rising Again, and It Could Continue in 2024

Now, as we approach the fall of 2023, the Boise-area housing market seems to be entering yet another transitional phase. After falling sharply through the second half of last year, home prices in the Boise metro area have started rising again. And this trend could continue into 2024, as well.

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August 15, 2023
Will California Home Prices Rise, Drop, or 'Flatten' in 2024?

Forecasts suggest that house values in California could begin to rise at a moderate pace through the end of this year and into 2024. This would mirror the general outlook for the nation as a whole, and low supply levels have a lot to do with it. Here’s an update on current home price trends across the state of California, with a “best guess” outlook stretching into 2024.

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January 23, 2024
Tacoma, Washington Housing Market Forecast Into 2024

Today, we’ll be examining current real estate market trends and conditions in Tacoma, Washington — one of the most affordable housing markets in the Seattle area.

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January 26, 2024
Boise, Idaho Housing Forecast for 2024: Heating Up Again?

As we move into 2024, recent forecasts suggest that the Boise area real estate market could become more competitive for buyers.

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June 13, 2023
Portland, Oregon Housing Market Forecast Into 2024

It has been a while since we took a forward-looking view at the real estate market in Portland, Oregon (one of the primary markets we serve). And a lot has changed since our last forecast report, published back in October. Back then, this market was cooling down considerably. Now it appears to be heating back up again.

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March 25, 2024
Why Is the Tacoma Housing Market So Much Cheaper Than Seattle?

People researching the Seattle-area real estate market are often surprised by the home price discrepancy between Tacoma and Seattle. Home prices within the city of Tacoma tend to be significantly lower than those in Seattle. But why? What factors make the Tacoma real estate market so much more affordable, when compared to the city of Seattle? After all, they’re both part of the same metropolitan statistical area (MSA) and only about 30 miles apart.

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March 21, 2024
Guide to Buying a Home in the Boise, Idaho Metropolitan Area

Are you thinking about moving to the Boise metro area and buying a home? You’re not alone. While population growth has slowed since the pandemic boom, the Boise-area real estate market continues to lure home buyers from other parts of the country. This guide gives you a broad overview of the Boise-Nampa metropolitan area, with an emphasis on relocation and home buying. We will cover everything from geography to economy, and from real estate market trends to local attractions.

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March 14, 2024
Is Bellevue Cheaper or More Expensive Than Seattle For Home Buyers?

Seattle-area home buyers often want to know how different cities and communities compare with each other, in terms of home prices. Today we address one of those common questions: Is Bellevue cheaper than Seattle, from a real estate perspective?

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March 13, 2024
An Overview of the Seattle Luxury Condo Market

Seattle, Washington has experienced a luxury condo boom in recent years, with a number of new projects coming onto the market. This trend is reshaping the downtown Seattle real estate market in a number of ways. This guide provides an overview of the luxury condo market in downtown Seattle and the surrounding area, as of 2024. It covers popular condominiums, current trends related to features and amenities, and other factors relevant to home buyers.

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January 19, 2024
California Housing Market Inventory in 2024 Could Improve

Like many parts of the country, California’s housing market has suffered from chronically low inventory levels for quite some time. Supply levels dropped further during the first few months of 2023 due to higher mortgage rates that cooled the real estate market. But in the early days of 2024, California housing market inventory levels are starting to rise again. And once again, mortgage rates play a central role. Rate reductions over the past couple of months have brought more sellers into the market, increasing inventory levels.

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January 4, 2024
Hottest California Housing Markets of 2024, According to Realtor.com

A recent housing market forecast published by Realtor.com suggested that California could have several of the hottest real estate markets in 2024. Southern California, in particular, is expected to see significant growth in 2024 in terms of home prices and sales. Here’s a look at the hottest California real estate markets of 2024 based on industry analysts’ latest data and projections

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November 30, 2023
Lower Mortgage Rates Could Increase Washington Home Sales in 2024

In 2023, higher mortgage rates cooled the real estate market in Washington and elsewhere across the country. But home loan rates have been trending downward lately, and some economists expect this to continue into 2024. According to one recent forecast, lower rates could accelerate the housing market and increase home sales across Washington in 2024. Lower borrowing costs could increase buyers’ demand and bring more homes on the market.

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November 14, 2023
Housing Market Outlook For Spokane, WA in 2024

The Spokane, WA housing market in 2024 anticipates modest growth, with a steady rise in home prices and a notable increase in inventory levels. Despite the challenges of higher mortgage rates, buyers and sellers are adapting, suggesting a more balanced market. This environment promises better opportunities for homebuyers while maintaining healthy activity for sellers.

Read more
October 9, 2023
Denver Housing Market Forecast for 2024: Steady Gains Ahead?

What’s the general outlook and forecast for the Denver, Colorado, housing market in 2024? Will the Mile High City hit a plateau next year regarding home-price growth? Or will house prices climb again now that they’re past the post-pandemic doldrums? While it’s difficult to offer real estate market predictions with complete accuracy, the Denver-area housing market seems likely to experience steady price gains in 2024.

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October 2, 2023
California Housing Market 2024 Predictions: New Updates

In a previous article, we speculated on the possibility that California’s home-price downturn might end. Since then, even more evidence has come to light reinforcing that analysis. For example, data from Zillow and other sources show that the median home price has risen over the past few months. A new report from the California Association of Realtors predicts home sales and prices will increase in 2024. So, let’s look at these two “upturn” predictions for the California real estate market in 2024.

Read more
September 20, 2023
Buying a Home in the State of Idaho: 11 Key Benefits

The population of Idaho has increased significantly over the past few years, and with good reason. The state offers several benefits for those relocating from other parts of the country. It’s arguably one of the best places to buy a home, and here are some reasons why.

Read more
September 11, 2023
Boise Home Prices Are Rising Again, and It Could Continue in 2024

Now, as we approach the fall of 2023, the Boise-area housing market seems to be entering yet another transitional phase. After falling sharply through the second half of last year, home prices in the Boise metro area have started rising again. And this trend could continue into 2024, as well.

Read more
March 25, 2024
Why Is the Tacoma Housing Market So Much Cheaper Than Seattle?

People researching the Seattle-area real estate market are often surprised by the home price discrepancy between Tacoma and Seattle. Home prices within the city of Tacoma tend to be significantly lower than those in Seattle. But why? What factors make the Tacoma real estate market so much more affordable, when compared to the city of Seattle? After all, they’re both part of the same metropolitan statistical area (MSA) and only about 30 miles apart.

Read more
March 21, 2024
Guide to Buying a Home in the Boise, Idaho Metropolitan Area

Are you thinking about moving to the Boise metro area and buying a home? You’re not alone. While population growth has slowed since the pandemic boom, the Boise-area real estate market continues to lure home buyers from other parts of the country. This guide gives you a broad overview of the Boise-Nampa metropolitan area, with an emphasis on relocation and home buying. We will cover everything from geography to economy, and from real estate market trends to local attractions.

Read more
March 14, 2024
Is Bellevue Cheaper or More Expensive Than Seattle For Home Buyers?

Seattle-area home buyers often want to know how different cities and communities compare with each other, in terms of home prices. Today we address one of those common questions: Is Bellevue cheaper than Seattle, from a real estate perspective?

Read more
March 13, 2024
An Overview of the Seattle Luxury Condo Market

Seattle, Washington has experienced a luxury condo boom in recent years, with a number of new projects coming onto the market. This trend is reshaping the downtown Seattle real estate market in a number of ways. This guide provides an overview of the luxury condo market in downtown Seattle and the surrounding area, as of 2024. It covers popular condominiums, current trends related to features and amenities, and other factors relevant to home buyers.

Read more
March 12, 2024
Denver's Real Estate Market in 2024: Better for Buyers

Recent reports have shown that the Denver, Colorado real estate market could be more friendly toward home buyers in 2024. Home prices have flattened out after several years of steady gains. Houses are taking longer to sell with fewer offers. And the Denver metro area was recently singled out as having the biggest increase in new real estate listings over the past year.

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February 21, 2024
Tech Employee Relocation Guide For Buying a Home in Seattle, WA

We’ve published many Seattle real estate market reports over the years, and most were geared toward home buyers. Today, we’ll offer some helpful insights for tech employees who are planning to relocate to Seattle in 2024.

Read more
January 23, 2024
Portland Housing Market: Buyer Friendly in 2024

Portland, Oregon, home buyers could enjoy a slower real estate market in 2024, with lower home prices and mortgage rates. For these and other reasons, the Portland housing market could be more buyer-friendly in 2024 compared to the past few years. Here’s an updated look at current real estate trends across the Portland-Vancouver metro area, emphasizing the above buyer-friendly conditions.

Read more
January 19, 2024
California Housing Market Inventory in 2024 Could Improve

Like many parts of the country, California’s housing market has suffered from chronically low inventory levels for quite some time. Supply levels dropped further during the first few months of 2023 due to higher mortgage rates that cooled the real estate market. But in the early days of 2024, California housing market inventory levels are starting to rise again. And once again, mortgage rates play a central role. Rate reductions over the past couple of months have brought more sellers into the market, increasing inventory levels.

Read more
January 4, 2024
Hottest California Housing Markets of 2024, According to Realtor.com

A recent housing market forecast published by Realtor.com suggested that California could have several of the hottest real estate markets in 2024. Southern California, in particular, is expected to see significant growth in 2024 in terms of home prices and sales. Here’s a look at the hottest California real estate markets of 2024 based on industry analysts’ latest data and projections

Read more
December 4, 2023
No Changes To Seattle Loan Limits For 2024

Federal housing officials recently announced that they would be increasing the conforming loan limits in 2024 for most counties across the U.S. Here in the Seattle metro area, the 2024 conforming loan limit will be set at $977,500 for 2024. Home buyers in Seattle who need to borrow more than this limit can do so as long as they have the income to support it. When you borrow more than the conforming loan limit for your particular county, it’s considered a “jumbo” loan.

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November 14, 2023
Housing Market Outlook For Spokane, WA in 2024

The Spokane, WA housing market in 2024 anticipates modest growth, with a steady rise in home prices and a notable increase in inventory levels. Despite the challenges of higher mortgage rates, buyers and sellers are adapting, suggesting a more balanced market. This environment promises better opportunities for homebuyers while maintaining healthy activity for sellers.

Read more
November 9, 2023
The Rise of Accessory Dwelling Unit Construction in Seattle, WA

According to a Seattle Times report published earlier this year, there were more accessory dwelling units (ADUs) built in 2022 than detached single-family homes. That was the first time in Seattle’s history that ADUs outpaced single-home construction, underscoring the rising popularity of “granny flats” and other accessory dwelling units. The surge in ADU construction in Seattle partly stems from regulatory overhaul. In short, the city has made getting accessory dwelling units approved easier and faster to help ease the ongoing housing shortage.

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