From your first home to your retirement years, there's a mortgage product built for where you are. Here's the full lineup I offer across Washington and Oregon.
Buying a home — whether it's your first or your fifth — starts with knowing exactly what you can afford and getting pre-approved fast so you can make competitive offers.
First-time homebuyer programs with low down payment options
Conventional and government-backed purchase loans
Pre-approval in as little as 24 hours
Guidance through inspection, appraisal, and closing
Whether rates have dropped, your finances have changed, or you want to tap into your home's equity, refinancing can save you money or unlock cash for major expenses.
Rate-and-term refinance to lower your monthly payment
Cash-out refinance to access home equity
Shorten your loan term to pay off your home faster
Veterans, active-duty service members, and eligible spouses can access some of the most favorable mortgage terms available — often with zero down payment required.
0% down payment for eligible borrowers
No private mortgage insurance (PMI) required
Competitive interest rates
VA disclosure and compliance handled per VA Lender Handbook & RESPA requirements
For homes priced above conventional conforming loan limits — common in Seattle, Portland, and surrounding high-value markets — jumbo financing gets you there.
For homeowners 62+, a reverse mortgage lets you convert home equity into cash without monthly mortgage payments — a valuable retirement planning tool.
FHA-insured HECM programs
No monthly mortgage payments required
Stay in your home while accessing equity
Full HECM/FHA disclosure requirements reviewed with every client
Reverse mortgages are a significant financial decision — I recommend all clients also speak with a HUD-approved housing counselor as part of the required process.
Saving 20% down isn't required, and in many cases there's help available to reduce your upfront cash needed at closing. I help buyers explore what they may qualify for, including:
Washington State Housing Finance Commission (WSHFC) bond and down payment assistance programs
Oregon Housing and Community Services (OHCS) bond and assistance programs
County and city first-time homebuyer assistance programs
Employer-assisted housing benefits, where offered
FHA, conventional, and VA loans with low or no down payment requirements
Program availability, income limits, and eligibility vary by county and change over time. I'll review current options with you during a free consultation — nothing here is a guarantee of approval or specific terms.