Washington
Washington Mortgage Broker
Buying or refinancing in Washington? Work directly with Jodie Barber — 30 years' experience, VA/FHA/USDA/conventional, and the local knowledge that actually moves your loan forward.
Higher limits apply in King, Pierce, Snohomish County (conforming up to $1,063,750).
Redfin state median $612,823 (May 2026, -0.88% YoY); Zillow average home value ~$603,870 (-0.6% YoY). Huge intra-state spread: Seattle/Eastside ~$880K-$1.5M vs Spokane/Tri-Cities/Yakima ~$370K-$430K. Refresh quarterly from a live feed to keep the data moat current.
Where we lend in Washington
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Down payment help in Washington
- WSHFC Home Advantage (DPA)
Up to 5% of the first-mortgage amount. Pair with a Home Advantage first mortgage; ~620 min FICO; homebuyer education required; not limited to first-time buyers; income limits up to $180,000 in King/Pierce/Snohomish (lower in other counties). A needs-based option offers up to $10,000 at 1% interest, deferred 30 years.
- WSHFC House Key Opportunity + Opportunity DPA
Up to $15,000 (Opportunity DPA); or up to $10,000 as a 1% deferred second. Lower income limits than Home Advantage (~$122,100 most counties, up to ~$157,100 King/Snohomish) and acquisition-cost/purchase-price limits (~$345,000-$750,000 by area); first-time buyer (or buying in a targeted area); homebuyer education required. Stacks with WSHFC first mortgage.
- WSHFC Community Second Mortgage / Targeted-buyer programs
Varies (e.g. Veterans, HomeChoice for buyers with disabilities). Program-specific (veteran status, disability, targeted areas). Confirm current menu and caps at build.
VA loans & Washington military communities
- Joint Base Lewis-McChord (JBLM)
Serving Tacoma, Lakewood, DuPont, Lacey, Olympia. Largest VA-loan demand driver in WA. ~40,000 active duty (~110,000 incl. families/civilians) between Fort Lewis and McChord Field. Dominant PCS in/out volume in the South Sound — anchor of the Phase-1 VA money pages.
- Naval Base Kitsap (Bangor / Bremerton)
Serving Bremerton, Silverdale, Port Orchard, Poulsbo, Bangor. Largest employer in Kitsap County (15,000+ active duty). Submarine/shipyard homeport with steady VA-eligible demand; Silverdale/Poulsbo skew higher price, Bremerton most affordable entry point.
- Naval Air Station Whidbey Island (NASWI)
Serving Oak Harbor, Coupeville, Anacortes, Mount Vernon. ~38,000 total base population (active duty + reserve + retirees + families); active-duty-only count not verified (CONFIRM). Oak Harbor is the primary feeder town and a concentrated VA-loan market.
- Fairchild Air Force Base
Serving Spokane, Spokane Valley, Airway Heights, Cheney, Medical Lake. ~8,600 active duty/reservists/contractors (92nd Air Refueling Wing, 336th Training Group). Eastern WA's affordable-price market plus a large veteran-retiree base -> VA purchase + reverse-mortgage angle.
Let's find your Washington home.
Straight answers, no pressure — from someone who's done this for 30 years.
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