01 · Transaction type
Purchase
Whether it's your first home or your forever home, we'll structure a loan that fits the property, the market, and your long-term plan. Pre-approvals are typically issued within one to two business days.
Loan products
The right loan, structured around your life.
We carry a full shelf of loan products from American Financial Network's wholesale and correspondent partners — so we can match your situation rather than force your situation into a single product.
02 · Transaction type
Refinance
Reduce your rate, shorten your term, consolidate debt, or pull cash out for projects and goals. We'll run the math both ways so you know exactly what makes sense — and what doesn't.
03 · Transaction type
HELOC — Home Equity Line of Credit
Access the equity in your home without disturbing your existing first mortgage. A flexible line you can draw from for renovations, education, or strategic financial moves.
04 · Transaction type
Home Equity Conversion Mortgage
A Home Equity Conversion Mortgage is a unique financial tool tailored for homeowners aged 62 and above. Unlike traditional mortgages that require monthly repayments, a reverse mortgage allows homeowners to convert part of their home equity into tax-free cash, monthly income, or a line of credit. The homeowner isn't required to make monthly loan repayments, and the loan is repaid when the homeowner sells the home, moves out, or passes away. It's a powerful way to leverage the value you've built in your home over the years.
Programs we offer
Conventional, FHA, VA, USDA — and the right team to navigate each one.
Conventional
Conforming loans for borrowers with established credit and steady income. Competitive rates and flexible terms from 10 to 30 years.
FHA
Federal Housing Administration loans with lower down payment and flexible credit requirements — a great fit for many first-time buyers.
VA
For active-duty service members, veterans, and qualifying spouses. Zero down payment options and no monthly mortgage insurance.
USDA
Rural and suburban housing loans with 100% financing for eligible properties and incomes.
Reverse Mortgage
For homeowners 62 and older, a reverse mortgage can convert a portion of your home equity into tax-free* funds — with no required monthly mortgage payment. (*Consult your tax advisor.)
First-time buyers
No money saved for a down payment? You may still have a path home.
We help first-time homebuyers across Washington understand their options — from low-down-payment conventional and FHA loans to zero-down VA and USDA programs.
For qualifying borrowers in Washington, we offer the Washington State Housing Finance Commission (WSHFC) Down Payment Assistance Program, which can help cover down payment and closing costs as a second mortgage. Eligibility requirements apply, including income limits, homebuyer education, and minimum credit standards. We'll walk you through the qualification process from start to finish.
See if you qualifyAll loan programs subject to borrower and property qualification. Program guidelines, rates, and availability subject to change without notice. Not a commitment to lend. Equal Housing Opportunity.