* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Starting the path to owning a home in Renton, WA, is an exciting and life-changing step. For over 30 years, we’ve been dedicated to helping Renton residents turn their homeownership dreams into reality. Whether you’re drawn to the lively waterfront or the welcoming family neighborhoods, our deep local expertise ensures we’ll help you navigate the mortgage process with ease and confidence.
Tracking mortgage rates is essential when exploring Renton’s dynamic real estate market. Your mortgage rate directly impacts your monthly payments and long-term financial planning. Factors that can influence your rate include:
Being informed about these elements ensures you’re prepared to secure the great rate for your new home in Renton.
Finding the right mortgage rate in Renton starts with a trusted team that puts your goals first. Our knowledgeable Mortgage Advisors bring over 15 years of experience on average, offering insights and tailored solutions for your specific financial needs. We pride ourselves on transparency and providing a seamless experience to help you achieve your homeownership dreams.
Renton offers a wide variety of housing options, from quaint craftsman-style homes to stylish downtown condos with stunning Puget Sound views. Whether you’re a first-time homebuyer or an investor seeking new opportunities, Renton’s real estate market provides a wealth of choices to suit different lifestyles and goals.
Renton’s vibrant community needs a variety of mortgage solutions to meet the diverse needs of its residents. Whether you’re a first-time homebuyer, looking to refinance, or interested in investment properties, we offer a wide range of loan programs designed to help you achieve your goals with the most affordable possible terms.
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 Renton 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.
Loans such as FHA, VA, USDA, jumbo loans, and conforming loans are available in Renton, WA.
Homeowners can refinance to lower their interest rates, modify their loan terms, or cash out their equity.
FHA loans are common among Renton buyers with modest credit or smaller savings. They’re also popular among first-time home buyers.
Yes, most Renton lenders, like Sammamish Mortgage, offer digital pre‑approval applications.
Yes, jumbo loans are available for homes with prices exceeding conforming loan limits in King County.
Yes, but lenders may request extra proof of income and tax records.
Yes, lenders like Sammamish Mortgage provide financing for rental and investment homes.
USDA loans are available in eligible rural areas near Renton.
Most lenders prefer scores of 620 or higher.
Yes, mortgages are available for condos that meet lender guidelines.
Applying for a mortgage with Sammamish Mortgage gives you access to competitive rates, transparent fees, and personalized guidance from a family‑owned lender with over 30 years of experience.
Whether you’re buying a home or ready to refinance, our professionals can help.
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