* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Olympia, WA, the capital of Washington State, offers a vibrant mix of natural beauty, rich history, and a thriving arts scene. With its picturesque waterfront, charming neighborhoods, and proximity to the Puget Sound, Olympia is an ideal place for families, professionals, and retirees. Sammamish Mortgage is here to help you navigate Olympia’s dynamic real estate market with personalized mortgage solutions.
Mortgage rates in Olympia are shaped by several key factors:
Our expert mortgage advisors will guide you through these variables to help you secure the best rate possible.
With over 30 years of experience, Sammamish Mortgage is committed to providing personalized service and competitive rates. Our team of knowledgeable mortgage advisors offers transparent, step-by-step guidance to make your home buying or refinancing process smooth and stress-free.
Olympia features a variety of housing options, from historic homes in established neighborhoods to modern condos and waterfront properties. Whether you’re a first-time homebuyer or an experienced investor, Olympia’s real estate market has something to offer for everyone.
At Sammamish Mortgage, we offer a wide range of mortgage options to meet the unique needs of Olympia residents. Whether you’re looking for the predictability of a 30-year fixed-rate mortgage, the exclusive benefits of VA loans for military families, the flexibility of FHA loans for first-time buyers, or jumbo loans for luxury properties, we have the right solution for you.
Securing a great mortgage rate isn’t just about numbers—it’s about transparency and trust. A reliable lender will clearly outline all fees and terms so you know exactly what you’re committing to.
At Sammamish Mortgage, our goal is to match you with the loan that best fits your financial situation, not simply the largest loan available. With personalized service and decades of experience, we ensure you get the right mortgage solution for your needs.
There are many different types of real estate loans available for Olympia borrowers.
A 30-year fixed-rate loan is one of the most popular types of mortgages, since it lets you spread out the cost of buying a home in Washington for a reasonable monthly mortgage payment.
A 15-year fixed-rate mortgage features a fixed interest rate and consistent payments over a 15-year term.
ARMs are loans where the interest rate starts low and adjusts periodically based on market conditions.
VA loans are designed for veterans, service members, and surviving military spouses. Qualifying borrowers can get a home loan with no down payment.
FHA loans are designed for low-income or first-time home buyers who may not have perfect credit or a big down payment. You can achieve home ownership sooner than you think.
Jumbo loans can help qualify you to buy a home in a more expensive part of the country, even if the price of the home is higher than conventional loan limits.
Bridge loans refers to short-term financing that helps cover costs until long-term funding or a property sale is finalized.
Self-employment mortgages are designed for borrowers who earn income through business ownership or freelance work.
Bank statement loans use bank deposits as proof of income instead of traditional tax documents.
Asset-based loans are a type of financing that is secured by personal or business assets rather than just income or credit score.
DSCR loans are a type of investment property loans approved based on the property’s debt service coverage ratio rather than personal income.
1099-only loans are tailored for independent contractors who verify income solely through 1099 forms.
First-time buyer programs are Special loan options offering lower down payments or incentives for new homeowners.
Investment loans are a type of financing designed for purchasing rental properties or real estate intended to generate income.
Second home mortgages are designed for buyers looking to purchase a vacation property or secondary residence.
A Cash Buyer Program lets homebuyers make an offer without the usual financing contingencies required with traditional mortgages. With the Sammamish Mortgage Cash Offer Program, buyers can take ownership immediately and avoid the risk of paying high excise taxes that may apply when a title is transferred from a third-party purchaser.
Conventional loans, FHA loans, VA loans, and jumbo loans are among the more common mortgage loans, all of which are available through local lenders.
Yes, getting pre-approved is beneficial because it helps you narrow down your price range, shows sellers that you’re a serious buyer, and can move the final mortgage approval process along faster.
Pre-qualification provides an estimate of what you may afford, while pre-approval is a more in-depth look at your financial and credit profile.
Yes, FHA loans are widely available and popular among first-time buyers in Olympia due to their low down payment requirements.
Yes—FHA and other government-backed loans may be available for borrowers with credit scores as low as 580.
Expect to pay 2% to 5% of the home price in closing costs, including appraisal, title, and lender fees.
You can start by getting an instant rate quote, applying online, or contacting a loan advisor.
Whether you’re buying a home or ready to refinance, our professionals can help.
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