Home Buyers

Down payments are a big concern among home buyers in California, and for good reason. With a median home price of nearly $800,000 in 2025, California is the most expensive real estate market in the country. This guide explains the minimum down payment requirements for different loan programs in California while clearing up some common misconceptions.'

Now, VA loan buyers can pay their real estate agents directly. This change follows a National Association of REALTORS® settlement, ensuring veterans and active-duty service members stay competitive in the market. Sammamish Mortgage supports VA loan borrowers in WA, OR, ID, CO, and CA through these updates.'

While it's not required, an earnest money deposit could help you get your offer accepted. Across the state of Washington, these deposits are customary, so sellers usually expect to see them. This guide explains what happens to the home buyer's earnest money at closing, and other scenarios that might arise.'

Statistics show that most home buyers in the state of Washington use some form of mortgage insurance, either through the FHA or private insurance companies. Which brings up a very important question. How long are homeowners required to pay for mortgage insurance in Washington? And does it ever go away?'

Choosing a neighborhood or community is one of the hardest choices for home buyers. And in a city like Denver, Colorado, which has nearly 80 official neighborhoods and more than a dozen "non-official" communities, the choice can seem overwhelming. One way to approach this task is to create a list of potential neighborhoods based on their unique features, amenities and locations. To help you get started, we've created a list of popular Denver neighborhoods you might want to consider when buying a home.'

Learn the essentials of the California home closing process, from electronic document signing to escrow company roles. Understand typical costs, ranging from 2% to 5% of the home price, and proactive steps buyers can take to streamline their transaction.'