Do you have questions about mortgage loan qualification requirements in the State of Washington? If the answer is yes, then you’ve come to the right place. It’s important to learn about some of the basic requirements for getting a home loan in Washington State. This information has been updated to include current lending trends and standards for 2021.
You’ll need a mortgage to finance a home purchase in Washington, but what are the requirements you need to have in order to secure a home loan? You’ll want to do your best to tick all the boxes in order to maximize your chances of mortgage approval in Washington State in 2021.
Note: This is an overview of Washington mortgage requirements, and as such it doesn’t cover everything. If you have a question that is not answered below, please contact us.
“Am I qualified to get a mortgage loan in Washington in 2021?”
This is one of the most frequently asked questions among prospective home buyers and mortgage shoppers in Washington State (at least among those who need financing). It’s also a highly individualized question that can’t really be fully answered in a single blog post.
With that being said, we can offer some generalized mortgage qualification requirements for Washington home buyers and borrowers.
At a glance: If you have a decent credit score (ideally 600 or higher), a manageable level of monthly debt, and a steady income stream that will enable you to repay your loan obligation, you might be qualified for a mortgage in Washington State.
Current mortgage requirements and regulations place a lot of emphasis on a borrower’s ability to repay the loan — and rightfully so. A prudent mortgage lender in Washington State will look at your recurring monthly debts in relation to your income to make sure you’re not taking on too much additional debt.
Consumer credit scores are another important mortgage requirement. Credit scores can affect your ability to qualify for financing, and they can also influence the interest rate you receive on your loan if you do qualify.
A credit score is a three-digit number that’s computed from information found within your credit reports. Mortgage lenders use these scores to gain insight into how you have borrowed and repaid money in the past. So these scores are a fairly important mortgage requirement for Washington State mortgage shoppers and home buyers.
Generally speaking, a higher score will increase your chances of qualifying for a mortgage loan. A low score could potentially hurt your chances of being approved for financing. And, if you do qualify with a relatively low score, this may affect the interest rate you receive on your loan. But you shouldn’t be discouraged if your score is less than perfect. Some Washington State mortgage loan programs, including the FHA program, offer flexible qualification criteria.
FICO scores (which are widely used in the lending industry) range from 300 to 850. A score of 600 or above will put you in a pretty good position to qualify for a home loan, if you’re eligible in other areas as well. A 700 or higher will make it even easier to get approved, and could help you qualify for a lower mortgage rate. If you’re in the “800-and-up” club, you should have no trouble qualifying for a mortgage loan in Washington State.
But bear in mind these are just general guidelines.
Debt-to-income ratios are another commonly used mortgage requirement in Washington State. These ratios help lenders ensure that you’re not taking on too much debt, and that you have the financial capacity to repay your loan. In short, your monthly income must be sufficient to cover all of your recurring debts — including your estimated mortgage payments.
As you might have guessed, the debt-to-income (DTI) ratio compares a borrower’s debts and income. Example: A person who grosses $4,000 per month, and spends $1,500 on total monthly debts, would have a DTI ratio of 37.5% (because 1500 / 4000 = .375, or 37.5%).
The DTI ratio required by lenders tends to vary. Banks and lenders have different standards. Generally speaking, a total or “back-end” DTI ratio in the mid 40% range or lower will put you in a pretty good position to qualify for a mortgage loan in Washington State. If your debt ratio is much higher than this, it could present a problem. A DTI ratio of 50% will usually require significant compensating factors to qualify for a loan.
But again, these numbers are not set in stone. Exceptions can be made for borrowers with significant cash reserves, strong credit histories, and other compensating factors. The mortgage lending process is highly individualized. Every financing scenario is different, because every borrower is different. The resources we’ve provided here will give prospective home buyers a good idea of what they can expect to encounter in terms of requirements in Washington State. But remember, these resources cannot spell out what will happen in any given case.
If you’re wondering about the eligibility requirements to get a home loan in Washington State, we can help. Sammamish Mortgage offers a variety of mortgage programs for home buyers and homeowners in Washington State, including FHA, VA and conventional. We can answer any questions you have about qualifying for a mortgage. We have been in the mortgage industry since 1992 and have plenty of experience providing home loans to borrowers. We can also give you a rate quote based on the type of loan you need. Call us today to get the process started!
Updated at 2021-06-22
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Sale of Business
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The California Consumer Privacy Act (CCPA) requires us to disclose categories of Personal Information we collect and how we use it, the categories of sources from whom we collect Personal Information, and the third parties with whom we share it, which we have explained above. We are also required to communicate information about rights California residents have under California law. You may exercise the following rights:
If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us. For more information about these rights, please contact us. Request to Not Sell for California Residents You may submit a request to us to not sell your Personal Information, which will be effective for 12 months [add url to specific website called “Do Not Sell My Personal Information” that allows consumers to opt out of the sale of personal information
California Information Sharing Disclosure
California Civil Code Sections 1798.115(c), 1798.130(a)(5)(c), 1798.130(c), and 1798.140 indicate that organizations should disclose whether the following categories of personal information are collected, transferred for “valuable consideration,” or transferred for an organization’s “business purpose” (as those terms are defined under California law). The table below indicates the categories of personal information we collect and transfer in a variety of contexts. Please note that because this list is comprehensive, it may refer to types of information that we collect and share about people other than yourself, for instance for those people that utilize our Rates and Money website.
|Category of Personal Information||Is information collected by us?||Is information transferred for valuable consideration?||Is information trasferred for business purposes?|
|Audio, electronic, visual, thermal, olfactory, or similar information||☐||☐||☐|
|Bank account number||☑||☐||☑|
|Commercial information (e.g., products or services purchased, or other purchasing or consuming histories or tendencies)||☐||☐||☐|
|Credit card number||☑||☐||☑|
|Debit card number||☑||☐||☑|
|Driver's License Number/ State ID||☑||☐||☑|
|Electronic network activity (e.g., browsing history)||☑||☐||☑|
|Health insurance information||☐||☐||☐|
|Identifiers (e.g., name or alias)||☑||☑||☑|
|Insurance Policy Number||☐||☐||☐|
|Online identifier (e.g., IP address)||☑||☐||☑|
|Other financial information||☑||☑||☑|
|Social Security Number||☑||☐||☑|
Don’t hesitate to contact us if you have any questions.
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You further agree that all Updates will be (i) deemed to constitute an integral part of the Websites, and (ii) subject to the terms and conditions of this Agreement.
Term and Termination
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This Agreement will terminate immediately, without prior notice from Sammamish Mortgage, in the event that you fail to comply with any provision of this Agreement. You may stop using the Services at any time. You do not need to specifically inform us when you stop using the Services. You acknowledge and agree that if we disable access to your account, you may be prevented from accessing the Services, your account details or any files or other materials which is contained in your account.
Upon termination of this Agreement, you shall cease all use of the Websites and delete all copies of the Websites from your computer.Termination of this Agreement will not limit any of Sammamish Mortgage’s rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.
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If you are a copyright owner or such owner’s agent and believe any material on our website constitutes an infringement on your copyright, please contact us setting forth the following information: (a) a physical or electronic signature of the copyright owner or a person authorized to act on his behalf; (b) identification of the material that is claimed to be infringing; (c) your contact information, including your address, telephone number, and an email; (d) a statement by you that you have a good faith belief that use of the material is not authorized by the copyright owners; and (e) the a statement that the information in the notification is accurate, and, under penalty of perjury you are authorized to act on behalf of the owner.
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Without limiting the foregoing, Sammamish Mortgage does not make any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Websites, or the information, content, and materials or products included thereon; (ii) that the Websites will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Websites; or (iv) that the Websites, their servers, the content, or e-mails sent from or on behalf of Sammamish Mortgage are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you.
Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall Sammamish Mortgage be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of privacy arising out of or in any way related to the use of or inability to use the Websites, third-party software and/or third-party hardware used with the website, or otherwise in connection with any provision of this Agreement), even if Sammamish Mortgage has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.
If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under this Agreement shall not affect a party’s ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.
No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any right or power under this Agreement preclude further exercise of that or any other right granted herein. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.
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Updates to this Agreement
We may change our Services and policies, and we may need to make changes to these Terms so that they accurately reflect our Services and policies. Unless otherwise required by law, we will notify you (for example, through our Services) before we make changes to this Agreementand give you an opportunity to review them before they go into effect. If a revision is material we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Then, if you continue to use the Services, you will be bound by the updated Agreement. If you do not want to agree to these or any updated Agreement, you can delete your account.
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Applicable Law and Venue.
THIS AGREEMENT IS GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF WASHINGTON. NO CONFLICT OF LAWS OR PROVISIONS OF ANY JURISDICTION WILL APPLY TO THESE TERMS AND CONDITIONS. YOU AGREE THAT ANY ACTION AT LAW OR IN EQUITY ARISING OUT OF OR RELATING TO THESE TERMS AND CONDITIONS WILL BE FILED ONLY IN A STATE OR FEDERAL COURTS OF KING COUNTY, WA, AND YOU HEREBY IRREVOCABLY AND UNCONDITIONALLY CONSENT AND SUBMIT TO THE EXCLUSIVE JURISDICTION OF SUCH COURTS OVER ANY SUIT, ACTION, OR PROCEEDING ARISING OUT OF THESE TERMS AND CONDITIONS. ALL DISPUTES MUST BE ADJUDICATED IN THE ENGLISH LANGUAGE.
Agreement to Arbitrate
This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR OR Sammamish Mortgage’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other controversy between you and Sammamish Mortgage concerning the Services or this agreement, whether in contract, warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the broadest possible meaning allowable under law.
Notice of Dispute
In the event of a dispute, you or Sammamish Mortgage must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute via email to: [email protected] Sammamish Mortgage will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email address. You and Sammamish Mortgage will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or Sammamish Mortgage may commence arbitration.
If you and Sammamish Mortgage don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration.
Any award of the arbitrator or a majority of the arbitrators will be final and binding, and judgment on such award may be entered in any court having jurisdiction. This arbitration provision will be enforced and interpreted exclusively in accordance with applicable federal laws of the United States, including the Federal Arbitration Act. Any costs, attorneys’ fees or taxes involved in confirming or enforcing the award will be fully assessed against and paid by the party resisting confirmation or enforcement of said award.
This Agreement to Arbitrate will survive the termination of your relationship with us.
You and we agree that each of us may bring a Dispute against the other only on our own behalf, and not on behalf of a government official or other person or entity, or a class of persons or entities. You and we agree, if we are a party to the proceeding, not to participate in a class action, a class-wide arbitration, a claim brought in a private attorney general or representative capacity, or a consolidated claim involving another person’s use of the site or our services. You and we agree not to combine a claim that is subject to arbitration under this Agreement with a claim that is not eligible for arbitration under this Agreement. You and we agree to waive the right to a trial by jury for all disputes.
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If you do not want third parties to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
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Sammamish Mortgage is a distributor and not a publisher of the content supplied by third parties; as such, Sammamish Mortgage exercises no editorial control over such content and makes no warranty or representation as to the accuracy, reliability or currency of any information, content, service or merchandise provided through or accessible via the Sammamish Mortgage Service. Without limiting the foregoing, Sammamish Mortgage specifically disclaims all warranties and representations in any content transmitted on or in connection with the Sammamish Mortgage Services or on sites that may appear as links on the Sammamish Mortgage Service, or in the products provided as a part of, or otherwise in connection with, the Sammamish Mortgage Services, including without limitation any warranties of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or written information given by Sammamish Mortgage or any of its affiliates, employees, officers, directors, agents, or the like will create a warranty. Price and availability information is subject to change without notice. Without limiting the foregoing, Sammamish Mortgage does not warrant that the Sammamish Mortgage Services will be uninterrupted, uncorrupted, timely, or error-free.
Don’t hesitate to contact us if you have any questions.
Email: [email protected]
Phone Number: (425) 401-8787
This Link: https://www.sammamishmortgage.com/
This Address: 3055 112th Ave NE Suite 203 Bellevue, WA 98004