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February 21, 2024
Tech Employee Relocation Guide For Buying a Home in Seattle, WA

We’ve published many Seattle real estate market reports over the years, and most were geared toward home buyers. Today, we’ll offer some helpful insights for tech employees who are planning to relocate to Seattle in 2024.

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January 23, 2024
Portland Housing Market: Buyer Friendly in 2024

Portland, Oregon, home buyers could enjoy a slower real estate market in 2024, with lower home prices and mortgage rates. For these and other reasons, the Portland housing market could be more buyer-friendly in 2024 compared to the past few years. Here’s an updated look at current real estate trends across the Portland-Vancouver metro area, emphasizing the above buyer-friendly conditions.

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January 26, 2024
Fewer Price Reductions in Seattle Housing Market: 2024 Update

The Seattle metro area housing market seems to have undergone yet another shift over the past few months. After cooling down during much of last year, the local real estate scene has been warming up again lately. The latest evidence can be found in a new report published by analysts at Realtor.com. It showed an ongoing decline in real estate listings with a price reduction. This suggests that Seattle-area sellers are less inclined to reduce their asking prices compared to a year ago.

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October 2, 2023
California Housing Market 2024 Predictions: New Updates

In a previous article, we speculated on the possibility that California’s home-price downturn might end. Since then, even more evidence has come to light reinforcing that analysis. For example, data from Zillow and other sources show that the median home price has risen over the past few months. A new report from the California Association of Realtors predicts home sales and prices will increase in 2024. So, let’s look at these two “upturn” predictions for the California real estate market in 2024.

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September 28, 2023
California Mortgage Insurance Explained for Borrowers

In California, mortgage insurance is often required when a home buyer makes a small down payment. A smaller down payment results in a higher loan-to-value ratio, which can require the borrower to pay mortgage insurance. This article is an educational resource for California home buyers and homeowners who have questions about this subject. Below, we have answered some of the most common questions relating to mortgage insurance in California, including costs, requirements, and other key topics.

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January 26, 2024
California's Average Down Payment in 2024: The Latest Insights

It’s widely known that California has some of the highest home prices of any state in the nation. Because of this, it also has a much higher average down payment, when compared to other states. A recent report showed that the median or average down payment in some parts of California now exceeds $300,000, as of 2024.

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January 23, 2024
Tacoma, Washington Housing Market Forecast Into 2024

Today, we’ll be examining current real estate market trends and conditions in Tacoma, Washington — one of the most affordable housing markets in the Seattle area.

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January 26, 2024
Boise, Idaho Housing Forecast for 2024: Heating Up Again?

As we move into 2024, recent forecasts suggest that the Boise area real estate market could become more competitive for buyers.

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January 24, 2024
Bellevue, Washington Home Buying Trends: 2024 Edition

Bellevue, Washington is one of the most popular real estate markets in the Seattle area. And if you currently live there, or have visited in the past, you probably already know why. It has low crime rates, great schools, cultural and recreational opportunities, and plenty of natural splendor. It’s also one of the most expensive real estate markets in the state of Washington, and for all of the same reasons mentioned above. So you definitely want to do some research before entering this housing market.

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March 28, 2024
Basic VA Loan Requirements: Three Things You Need to Qualify

Explore the fundamental criteria for securing a VA home loan in our comprehensive guide. We delve into the key requirements including credit score, debt-to-income ratio, and documented income, providing insights to help military members and veterans navigate the loan process seamlessly. Whether you’re a first-time homebuyer or seeking to refinance, understanding these VA loan prerequisites is crucial for a successful mortgage application.

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February 7, 2024
Homeowners Who Could Benefit by Mortgage Refinancing in WA State

Will the rest of 2024 be a good time to refinance a home in the state of Washington? Can homeowners benefit from the drop in mortgage rates that occurred at the end of 2023? Those are two of the frequently asked questions we’ll be addressing in this mortgage market update for 2024.

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January 29, 2024
The Washington FHA Loan: A Fact Sheet for Home Buyers

As a Seattle-area mortgage company, we do our best to educate local home buyers about their different mortgage options. To continue that tradition, we’ve created an FHA loan fact sheet for borrowers in the state of Washington.

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January 16, 2024
Debunked: 7 Common Myths About Washington VA Loans

Surveys have shown there are many myths, misconceptions and misunderstandings surrounding VA loans. Some people who are well-qualified for the VA loan program, and could benefit from it, might be reluctant to apply due to misinformation. As a Washington-based mortgage company that specializes in VA loans, we do our best to educate military members and veterans about their mortgage-related benefits. So today, we will “debunk” seven of the most common myths relating to VA loans in the state of Washington.

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December 11, 2023
How to Apply for a VA Home Loan in WA State

The state of Washington currently ranks #7 in the nation when it comes to the total number of military personnel living in the state. Because of this, plenty of folks could benefit from using a VA loan to buy a house. But there are specific steps you’ll need to take to get the ball rolling. In this article, you’ll learn how to apply for a VA home loan in the state of Washington.

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December 4, 2023
No Changes To Seattle Loan Limits For 2024

Federal housing officials recently announced that they would be increasing the conforming loan limits in 2024 for most counties across the U.S. Here in the Seattle metro area, the 2024 conforming loan limit will be set at $977,500 for 2024. Home buyers in Seattle who need to borrow more than this limit can do so as long as they have the income to support it. When you borrow more than the conforming loan limit for your particular county, it’s considered a “jumbo” loan.

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December 1, 2023
What Are the Documents Needed For a VA Loan in Washington?

Military members and veterans in Washington often use VA loans when buying a home. This popular mortgage program allows borrowers to finance 100% of the purchase price, avoiding the down payment altogether. Like all government-backed mortgage programs, VA loans have specific requirements when it comes to documentation. Some document requirements come from lenders, while the Department of Veterans Affairs imposes others.

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November 9, 2023
The Rise of Accessory Dwelling Unit Construction in Seattle, WA

According to a Seattle Times report published earlier this year, there were more accessory dwelling units (ADUs) built in 2022 than detached single-family homes. That was the first time in Seattle’s history that ADUs outpaced single-home construction, underscoring the rising popularity of “granny flats” and other accessory dwelling units. The surge in ADU construction in Seattle partly stems from regulatory overhaul. In short, the city has made getting accessory dwelling units approved easier and faster to help ease the ongoing housing shortage.

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November 3, 2023
How the VA Loan Underwriting Process Works in WA State

There are several critical stages along the path to VA loan approval and closing. Mortgage underwriting is one of these critical stages. In this guide, we will walk through the different steps in the VA loan underwriting process and explain what borrowers can do to help keep that process on track.

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