* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Pasco, WA, is a growing city with a vibrant community and diverse housing market. Whether you’re drawn to its scenic parks, family-friendly neighborhoods, or thriving local economy, Sammamish Mortgage is here to help make your homeownership dreams come true. With over 30 years of experience, we offer personalized mortgage solutions tailored to your unique needs.
Understanding mortgage rates is crucial in Pasco’s competitive real estate market. Factors influencing your rate include:
Our Mortgage Advisors bring over 15 years of experience, offering personalized advice to guide you through the home buying or refinancing process. We prioritize transparency and customer care, ensuring you secure the best mortgage rates and terms for your situation.
Pasco offers a wide variety of housing options, from charming single-family homes to modern townhouses and new developments. Whether you’re a first-time buyer, upgrading, or investing in property, Pasco’s housing market has something for everyone.
We offer a range of mortgage programs designed to fit your needs:
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 Pasco 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.
Yes, different lenders may offer varying rates based on their underwriting criteria and promotional offers.
Common options include fixed-rate, adjustable-rate, FHA, VA, and USDA loans tailored to different borrower needs.
A larger down payment can reduce your mortgage rate and eliminate private mortgage insurance requirements.
Yes, refinancing can help you secure a lower rate, potentially reducing monthly payments and total interest paid.
You’ll typically need proof of income, credit history, employment verification, and details of your assets and debts.
The approval process usually takes 30 to 45 days, depending on the lender and completeness of your application.
Yes, regional employment rates, housing demand, and economic growth influence local mortgage rates.
Pre-qualification is an estimate of what you may be able to borrow; pre-approval is a formal process that confirms your borrowing capacity.
Maintain a strong credit score, reduce existing debts, and gather all necessary financial documentation upfront.
Compare interest rates, customer service, loan options, and reputation to find the best fit.
Begin by checking your credit, getting pre-approved, and gathering financial documents before applying with lenders.
15-year loans usually have lower rates but higher monthly payments compared to 30-year loans, which have slightly higher rates.
Sammamish Mortgage is known for our personalized service, competitive mortgage rates, and a wide range of loan options tailored to meet your unique financial needs. Our experienced team provides transparent guidance throughout the home financing process, ensuring you understand every step.
Whether you’re buying a home or ready to refinance, our professionals can help.
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