5 Must-Read Mortgage Articles for Washington Home Buyers in 2026

There have been a lot of developments over the recent past that are relevant to home buyers in Washington. This article will help get you up to speed on buying a home in Washington in 2026.

From mortgage rates to home prices, we’ve seen quite a bit of change across the real estate industry. So let’s get caught up! Here’s a curated list of our best articles for those who are planning to use a mortgage loan to buy a home in Washington in 2026.

Must-Read Mortgage Articles for Washington Home Buyers

Update on Mortgage Interest Deductions

A congressional tax committee released a report that showed fewer homeowners in Washington and nationwide will use the mortgage interest deduction in 2026. Most of the benefits will go to wealthier households. This is a story we’ve been following, and writing about, for months.

Bremerton, Spokane, and Tacoma Hot Housing Markets

According to recent forecasts, three Washington cities have seen big home-price gains of any major metro area in the U.S. Bremerton, Spokane, and Tacoma made the list of top-appreciating housing markets.

Low Inventory Boosting Home Prices

House values across Washington State have dipped slightly so far in 2026, thoguh are expected tio inch up this year. And tight inventory in many markets across the state is playing a big role. Limited inventory increases competition among buyers.

ARM Loans Becoming More Popular

According to surveys conducted by the Mortgage Bankers Association, a higher number of home buyers in Washington and nationwide are using adjustable / ARM loans to buy a house. But the 30-year fixed-rate mortgage is still the most popular product by far.

An Overview of Mortgage Requirements

This article is a must-read for Washington home buyers who need to use a mortgage loan to finance their purchases. It explains some of the common requirements borrowers encounter when applying for a home loan in Washington.

View WA State Mortgage Rates Feb, 15, Sun, 2026

An Update on Mortgage Rates and Housing Trends

The articles above offer a good update on real estate and mortgage trends in Washington. So they make excellent reading material for anyone planning to buy a house in Washington in 2026. For those in a hurry, here’s a recap of the biggest stories, trends and developments.

Washington real estate and mortgage trends:

• Mortgage rates have been declining over the past year. They’re still relatively high, but they are expected to continue to dip over the coming months. As of the beginning of February 2026, the average interest rate for a 30-year fixed home loan was hovering at 6.10%.
• Home prices in Washington have climbed quickly. The median home value for the state dipped to around $585,576 in February 2026, marking a decrease of 0.5% over the same month last year (source: Zillow). The median price is much higher in Seattle, where it is at a staggering $832,857.
• Low inventory is still the big story in housing markets across Washington. There just aren’t enough homes listed for sale to meet the level of demand from buyers. This is leading to multiple-offer situations, bidding wars, and rising prices. Inventory is tightest in the Seattle metro area, but it’s an issue affecting the state as a whole.

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Sammamish Mortgage has been helping Washington home buyers and homeowners with their mortgage needs since 1992. We’re a family-owned business based in Bellevue, WA, and provide mortgage programs to borrowers in Washington, Oregon, Colorado, California, and Idaho. Visit our website to use our mortgage cxalculator or to get an instant rate quote. Please contact us if you have financing-related questions or to get pre-approved for a mortgage.