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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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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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March 6, 2024
A Market Comparison for Seattle's Most Popular Neighborhoods

Before paying hundreds of thousands of dollars for a home in Seattle, you want to make sure the neighborhood is a good fit for your lifestyle. This is arguably just as important as the house itself. So let’s explore the most popular neighborhoods in Seattle, from a home buying perspective.

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January 16, 2024
Debunked: 7 Common Myths About Washington VA Loans

Surveys have shown there are many myths, misconceptions and misunderstandings surrounding VA loans. Some people who are well-qualified for the VA loan program, and could benefit from it, might be reluctant to apply due to misinformation. As a Washington-based mortgage company that specializes in VA loans, we do our best to educate military members and veterans about their mortgage-related benefits. So today, we will “debunk” seven of the most common myths relating to VA loans in the state of Washington.

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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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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 30, 2023
Market Outlook for Washington First-Time Buyers in 2024

Are you planning to buy your first home in the state of Washington sometime during 2024? Wondering what the real estate market might be like next year and how it could affect you? If so, you’re in the right place. Sammamish Mortgage created this report to bring first-time home buyers up to speed on current market trends across the state of Washington so you can enter the market more prepared.

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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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October 31, 2023
Average Cost of a Home Appraisal in Washington and Other FAQs

People tend to have many questions about the home appraisal process in Washington, and we’ve addressed some of them in the past. In this article, we’ll review the average cost of an appraisal in Washington, factors influencing the cost, and scenarios where an appraisal might either be required or warranted.

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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 5, 2022
Should I Remodel Or Move?

There are several things to consider when debating if it is time to remodel or move, from your finances to your future lifestyle wants and needs.

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October 12, 2021
Main Reasons Why a 2021/2022 Housing Market Crash Is Unlikely

There are several reasons why a 2021 housing market crash is highly unlikely.

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April 6, 2022
Will New Homes Be Available For Purchase this Year?

How will the real estate market fare this year? More specifically, will there be more new home construction this year and next? This article will attempt to answer that question.

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December 16, 2021
A Seattle Housing Bubble in 2022? The Evidence Suggests Not

Many people may be concerned that Seattle may be in the midst of a housing bubble. Is it? And will it burst any time soon in 2022?

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February 26, 2021
Are We In A Buyer’s Market?

Two major indicators of home price trends showed a slowing momentum for home prices in December. The S&P Case Shiller 10 and 20 city indices reported that of 20 cities tracked, home prices were lower in December than for November.…

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March 30, 2021
Fluctuation of Seattle Home Values

Five years after the housing market peak in 2007, home prices are finally rebounding.  New and existing home sales have also increased, even though home prices have generally been rising. In the July 2012 Home Price Index, home values increased…

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April 28, 2022
Case-Shiller, FHFA Post New Records for Home Price Growth

Home price appreciation has been very healthy over the past year. While mortgage rates are going up slightly more quickly than expected, demand remains high, and home prices continue to grow at close to the same record pace seen throughout 2021-22.

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February 7, 2024
Homeowners Who Could Benefit by Mortgage Refinancing in WA State

Will the rest of 2024 be a good time to refinance a home in the state of Washington? Can homeowners benefit from the drop in mortgage rates that occurred at the end of 2023? Those are two of the frequently asked questions we’ll be addressing in this mortgage market update for 2024.

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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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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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May 16, 2023
5 Mistakes to Avoid When Buying Investment Homes in Washington

Investing in real estate can be a lucrative way to build wealth and generate passive income. But like any major investment, it requires careful planning, research, and due diligence to avoid costly mistakes. In other words, you have to know what you’re doing. Sometimes, the best way to learn the right way to do something is by understanding the wrong way. And that’s what we will focus on today. In this article, we will cover some of the common mistakes to avoid when buying an investment home in the state of Washington.

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January 30, 2024
Buying a First Home Could Be Very Challenging: Here’s Why

Buying your first home can be a daunting task, especially when it comes to getting your finances in order. What are some obstacles you could face and how can you overcome them?

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January 31, 2024
Boise Real Estate Market: Prices - Trends - Forecast 2024

What are the top Boise real estate trends this year? Perhaps more importantly, what is the Boise housing market forecast for 2024? Let’s answer these questions to help you determine whether next year is a good time to buy.

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January 5, 2022
Should I Remodel Or Move?

There are several things to consider when debating if it is time to remodel or move, from your finances to your future lifestyle wants and needs.

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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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October 24, 2023
Buying a Home Is Still Affordable

Buying a home in this economy is more affordable than you think, and the main reason why? Historically low mortgage interest rates.

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October 12, 2021
Main Reasons Why a 2021/2022 Housing Market Crash Is Unlikely

There are several reasons why a 2021 housing market crash is highly unlikely.

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February 7, 2024
Homeowners Who Could Benefit by Mortgage Refinancing in WA State

Will the rest of 2024 be a good time to refinance a home in the state of Washington? Can homeowners benefit from the drop in mortgage rates that occurred at the end of 2023? Those are two of the frequently asked questions we’ll be addressing in this mortgage market update for 2024.

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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 12, 2024
Average VA Loan Amount in WA State and Other 2024 Statistics

What’s the average VA loan amount in the state of Washington? How many VA loans are processed and closed in Washington each year, and how does that compare to the rest of the nation? These are just a few of the questions we can answer by reviewing a recent VA loan usage report published by the U.S. Department of Veterans Affairs, summarizing the previous 12 months.

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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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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 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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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 30, 2023
Market Outlook for Washington First-Time Buyers in 2024

Are you planning to buy your first home in the state of Washington sometime during 2024? Wondering what the real estate market might be like next year and how it could affect you? If so, you’re in the right place. Sammamish Mortgage created this report to bring first-time home buyers up to speed on current market trends across the state of Washington so you can enter the market more prepared.

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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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November 7, 2023
Tight Inventory Could Affect Seattle Home Buyers in 2024

Home buyers in the Seattle area might be tired of hearing about tight inventory conditions and other challenges. It can be wearying. But if you’re planning to enter the Seattle real estate market in 2024, you’ll want to have a clear understanding of current market conditions. Here’s an update on the housing inventory situation in Seattle and what it might mean for homebuyers in 2024.

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November 7, 2023
Tight Inventory Could Affect Seattle Home Buyers in 2024

Home buyers in the Seattle area might be tired of hearing about tight inventory conditions and other challenges. It can be wearying. But if you’re planning to enter the Seattle real estate market in 2024, you’ll want to have a clear understanding of current market conditions. Here’s an update on the housing inventory situation in Seattle and what it might mean for homebuyers in 2024.

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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.

Read more
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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March 28, 2022
Buying a Home in Redmond, WA

Are you thinking of buying a home in Redmond, WA? Considering the magnitude of such a purchase, you’ll certainly want to go into the process armed with as much pertinent information as possible.

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August 12, 2022
5 Mortgage Tips for First-Time Buyers in Oregon: Updated for 2022

Are you a first-time homebuyer looking to buy in Oregon in 2022? If so, you’ll need some sound advice to ensure you make all the right moves. This guide will provide you with some excellent tips to help you.

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February 4, 2022
Will Seattle Become a Buyer’s Market Sometime During 2022?

Over the past few years, the Seattle real estate market has favored sellers over buyers due to tight inventory and soaring demand. But what will 2022 look like? In This Article: Will Seattle Be a Buyer’s Market in 2022?

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May 3, 2022
FHA Borrowers in Washington Have Higher Debt-to-Income Ratios Today

If you are applying for an FHA loan to buy a house, your debt-to-income ratio will be assessed. According to data, the average DTI has been increasing among borrowers. This article will explain more.

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March 2, 2021
Why the Seattle Housing Market ‘Cooling’ Effect Is a Good Thing

Summary: The Seattle housing market has cooled over recent years. But that may a good thing for buyers, as it makes things more affordable. This article will explain more. Do an online news search for the Seattle housing market, and…

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April 6, 2022
Similarities Between Seattle and Kirkland Housing Markets in 2022

Are you thinking of buying a home? There are plenty of great housing markets across the state of Washington that you may want to consider buying in, and Seattle and Kirkland are just a couple of them.

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December 16, 2021
A Seattle Housing Bubble in 2022? The Evidence Suggests Not

Many people may be concerned that Seattle may be in the midst of a housing bubble. Is it? And will it burst any time soon in 2022?

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