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January 3, 2024
Why 2024 Could Be a Good Time to Buy a Home in Oregon: 3 Reasons

Will 2024 be a good time to buy a home in the state of Oregon? As a mortgage company that serves the entire Pacific Northwest, we do our best to educate home buyers on current real estate market conditions across the region. Today, we set our sights on Oregon.

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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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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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May 19, 2023
Most Popular Type of Mortgage Loan for Washington Home Buyers

Home buyers in the state of Washington have a lot of options when it comes to mortgage financing. We have covered many of those options in previous blog posts. Today, we will focus on the most popular type of mortgage loan for Washington home buyers: the conventional 30-year fixed-rate mortgage.

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March 2, 2022
Buyers Are Finding More Space in the Luxury Home Market

Buyers in the luxury real estate market may continue to focus on high-end features, but lots of space may trump all other must-haves on their list. In particular, enough square footage to accommodate home offices, gyms, and other on-site amenities are what luxury homebuyers are looking for in a new home purchase.

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April 4, 2022
What Emergencies Does Homeowners Insurance Cover?

Homeowners insurance is typically be required by mortgage lenders, to ensure they can recoup their loan amount if something happens to your home. This type of coverage can protect you and your belongings as well, but does homeowners insurance cover emergencies?

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November 4, 2022
Approved With Conditions: What Does It Mean?

Being approved for a mortgage with conditions is actually a good thing and comes with several advantages.

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April 6, 2022
7 More Reasons Why Home Inventory Is Low

There are several reasons why home inventory is low, some of which include historically low mortgage rates, eager investors, and slowed new construction.

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February 8, 2022
Spring Housing Market Trends For 2022

This spring, you can expect to see an increase in home sale growth, inventory, mortgage rates, and home prices.

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April 5, 2022
Comparing Different Home Remodeling Projects by ROI

Let’s take a look at some of the most common home remodeling projects and what you can realistically expect to enjoy in terms of ROI.

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September 19, 2023
How To Use Gift Money for a Down Payment

Has someone given your gift money to use for your down payment? Learn the ins and outs of gift funds and how they can be used to get your mortgage.

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January 27, 2022
Are Home Warranties Worth The Money?

Owning a home comes with a ton of responsibility, and you should do everything possible to protect your investment. Therefore, you need to consider a home warranty early on in the homebuying process.

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January 18, 2024
How To Find Places To Buy Rental Investment Properties in Idaho

If you are thinking of buying rental property in Idaho, do you know where to look? This article will outline what you should be looking for when choosing an investment property and some of the cities in ID that should make your shortlist.

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April 13, 2022
Unexpected Costs of Buying & Owning a Home in OR

The unexpected costs of buying/owning a home in Oregon are a fact of life. Whether you own your home or are looking to purchase, read about the surprises you can expect to face as a homeowner. From lightbulbs to roofing repairs let us help you prepare with first-hand knowledge from the housing experts.

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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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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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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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August 15, 2022
What to Know About Earnest Money in Colorado

Ready to think about buying a home in Colorado? Working on your home buying budget? Don’t forget the earnest money, which will be tied up during the negotiations.

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August 15, 2022
What is a Rapid Rescore and How Does it Work in WA State?

Have you applied for a mortgage in Washington State, but your credit score was just a little too low to get the best mortgage rate possible? If it’s possible there is information on your credit report that is incorrect or could be updated, a rapid rescore in WA State might help.

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July 20, 2022
8 Easy Renovation Projects Every Homeowner Can Do Now

Ready to DIY some home renovations? All you need are basic tools you may own, can buy inexpensively, or rent, a little willingness to learn, and a lot of elbow grease.

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June 23, 2022
Selling Your Home in a Hot Market to Buy a New House

It’s fortunate that more home listings are coming onto the market, according to the latest housing data available. This can make it easier for homeowners looking to sell to do so with confidence they can soon move into a new home.

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May 9, 2022
5 Tips for Making Your Best Offer

What can you do to make your offer stand out? Here are a few tips to making your best offer and increasing your odds of coming out a winner.

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April 6, 2022
The Best Use of Time (and Money) When It Comes to Renovations

There are plenty of questions to ask yourself when it comes time to renovate your home. Should you do it yourself or hire an expert? How much should you spend? And what exact projects should you consider?

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June 24, 2022
Home Affordability Isn’t The Challenge Some Are Claiming It To Be

Buying a home might sound like an insurmountable feat, but is it really? In this article, we’ll show you that despite the high cost of a home purchase, home affordability may not be as big of an issue as you may think.

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November 15, 2021
5 Reasons You Need to Talk to Your Home Loan Lender First

There’s a good reason to talk to your lender first before you start house hunting. It’s typically when you get pre-approved, the best rates, special perks, and lower payments.

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April 7, 2022
Today’s Real Estate Market Explained Through 4 Key Trends

The new real estate landscape is shaped by several key trends: rising mortgage rates, high price appreciation, low housing inventory, and soaring home values and equity.

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September 24, 2021
Pre-Approval Makes All the Difference When Buying a Home

When you’re serious about making a real estate purchase, get pre-approved. It gives you leverage when it comes to finding a home and getting the best deal.

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November 15, 2021
5 Reasons You Need to Talk to Your Home Loan Lender First

There’s a good reason to talk to your lender first before you start house hunting. It’s typically when you get pre-approved, the best rates, special perks, and lower payments.

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April 4, 2022
What Is Pooled-Funds Investing?

Investing your money is a great way to make it work for you to build wealth over time, leaving you with a comfortable nest egg for the future. But what exactly is pooled-funds investing in WA, OR, ID, and CO? We’ll discuss that in this article.

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February 25, 2022
The Most Picturesque Neighborhoods in Colorado

An amazing review of some of the best neighborhoods in Colorado. One of prettiest states in the union, Colorado neighborhoods offer some of the best places to live, work and play.

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April 6, 2022
Top 5 Mortgage & Housing Trends Affecting Buyers in 2022

Curious about what sort of trends will impact home buyers in the new year of 2022? You’re in luck! Read this list of the top 5 mortgage and housing trends that will affect buyers in 2022 and get in touch with Sammamish Mortgage for more information.

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November 9, 2022
15 First-Time Home Buyer Mistakes to Avoid in Oregon

First-time home buyers in OR often make mistakes in the buying process. This post identifies and discusses 15 mistakes to avoid for first-time home buyers. Readers are also encouraged to contact Sammamish Mortgage for additional consultation.

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September 16, 2022
Trend: Moving from Seattle to Spokane for a Lower Mortgage Payment

Home buyers with limited housing budgets often move from pricier coastal areas to more affordable inland cities. It’s a common migration pattern that has been well documented over the years.

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January 10, 2024
Seattle Housing Market Forecast: Seven Predictions for 2024

This year was once predicted to be the “year of the buyer” in Seattle’s housing market. Yet, inventory remains low, this along with many other factors, point to a continued Seller’s market in 2024.

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November 24, 2021
Report: Most First-Time Buyers Get Pre-Approved Before House Hunting

Recent data shows that most first-time home buyers in Washington State and nationwide shop for a mortgage loan before shopping for a home. There are several advantages to taking this preliminary step prior to house hunting.

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March 6, 2024
5 Tips for Seattle Home Buyers Entering the Market in 2024

Looking to buy a home in Seattle sometime soon? This article offers five helpful tips for Seattle home buyers who are planning to enter the real estate market in 2024.

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September 27, 2022
How to Transition from Renting to Buying a Home in Seattle, WA

Are you a Seattle-area renter who plans to buy a home in the near future? Do you have questions about how to transition from renting to buying? You’re in the right place. Below, we’ve assembled some useful tips and strategies for Seattle residents who want to switch from renting to buying a home.

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April 6, 2022
More Single Female Home Buyers Than Males in Washington

A housing industry report published this year shed some light on a variety of home buying trends in Washington State and elsewhere across the country.

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January 24, 2024
How Falling Mortgage Rates Could Help Washington Home Buyers in 2024

A recent report from the government-sponsored mortgage buyer Freddie Mac brought good news for home buyers across Washington. Mortgage rates continued to trend downward last week, after climbing to a 15-year peak toward the end of last year.

This downward trend could help improve affordability for home buyers in cities throughout Washington State. Here’s what you need to know about these recent mortgage rate trends, and how they might affect you when buying a home later this year.

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January 31, 2024
A Seattle Buyer's Market in 2024: Is It Possible?

Is Seattle a Buyer’s Market in 2024? The Seattle metro area housing market is clearly moving in a more buyer-friendly direction. Keep reading to learn more!

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April 20, 2022
7 Reasons Why Home Buyers Are Denied A Home Mortgage in WA State

When you are buying a new home, it is an exciting process. You have spent months searching and have found the home you want to purchase. You are ready to move into the home of your dreams.

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November 30, 2023
FHA Loan Limit in Boise Remains Unchanged at $586,500 in 2024

FHA loan limits remain unchanged for 2024 in Boise, though most other counties in the nation have increased FHA loan limits. Read on to find out more and to check out our loan limits tool.

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November 24, 2021
4 Ways To Avoid Mortgage Insurance in WA State

When you are buying a home, you may run into a number of hurdles to complete the purchase. One of the items that you may be asked to purchase is called private mortgage insurance, often shortened to PMI. This is a unique insurance policy that your lender, such as the credit union or bank, may ask you to buy in order to protect themselves. In this insurance policy, the bank protects themselves against losing money if you end up defaulting on your loan.

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November 24, 2021
Why Every Portland Home Buyer Needs Pre-Approval Before Home Shopping

Summary: If buying a home in Portland is on your mind this year, then you may want to get in touch with a Portland mortgage company to get pre-approved first. In this article, we’ll go over why a pre-approval is…

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November 30, 2023
Maximum FHA Loan Limit in Seattle Remains Unchanged At $977,500 in 2024

Federal housing officials announced that FHA loan limits for Seattle would remain the same in 2024. Check out our loan limits tool here.

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November 9, 2022
An Update on FHA Mortgage Insurance Premiums for Washington Home Buyers

Nearly all home buyers who use an FHA loan in Washington State have to pay mortgage insurance premiums. Those premiums are required by the Federal Housing Administration and help to sustain the agency’s capital reserves.

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February 26, 2021
FHA 203(k) Loans in Washington: ‘Fixer-Upper’ Home Financing Option

For buyers who are purchasing a “fixer-upper” home in Washington State, financing can sometimes be a challenge. That’s because many home buyers in this situation actually need two kinds of loans — one to purchase the property, and one to…

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February 7, 2024
Home Buyers in Washington & Nationwide Put Down Less Than 20%

Recent Study Found That 52% of Home Buyers in the WA State and U.s. Make Down Payments of Less Than 20% When Buying Property. Click Here To Find Out More.

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November 24, 2021
Three Common Contingencies Used by Home Buyers in Washington

“This offer is contingent upon the following.” This is a common phrase used in real estate purchase agreements and contracts. Home buyers across Washington State often make their offers contingent upon certain conditions or events. In this article, we’ll look…

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August 13, 2021
How Much Income Do I Need to Buy a House or Condo in Washington?

Summary: Do you know how much you need to earn every year to purchase a home or condo in the state of Washington? This article will explain your income requirements. “How much income do I need to buy a house…

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March 10, 2022
First-Time Buyers in Washington & Oregon Favor FHA Loans: Report

FHA loans are a popular financing option among home buyers in Washington and Oregon, two of the states we serve. In fact, first-time home buyers account for more than 80% of all FHA loan originations in the current mortgage market.…

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March 2, 2021
FHA Mortgage Insurance Premiums in Washington and Oregon: Explained

The FHA home loan program is a popular financing option among borrowers in Washington and Oregon, our primary area of operation. This program offers the advantage of a relatively low down payment along with flexible qualification criteria. Most borrowers who…

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