Home financing guidance across the Evergreen State
Washington's real estate market is anchored by one of the strongest tech economies in the world. The Seattle metro — King, Pierce, and Snohomish counties — consistently ranks among the highest-demand housing markets in the country, driven by Amazon, Microsoft, Boeing, and a dense ecosystem of high-income workers. Eastern Washington offers a dramatically different landscape with more affordable prices and a growing remote-work population. Our team connects Washington borrowers with mortgage professionals built for both markets.
None
State Income Tax
Seattle–Bellevue
Largest Metro
Amazon, Microsoft, Boeing
Major Employers
Financing for every type of Washington borrower
Buying a home in Washington
The Seattle metro is one of the most competitive housing markets in the US. Homes in King County regularly receive multiple offers, and buyers who aren't fully prepared — pre-approved, financially clear, and decisive — tend to lose out. We connect Washington homebuyers with lenders who can move fast, communicate clearly, and give sellers the confidence that your financing will close on time.
Learn more about buying your first homeRefinancing in Washington
Washington homeowners have accumulated significant equity over the past decade of appreciation. If you're looking to access that equity, reduce your monthly payment, or eliminate mortgage insurance, we connect you with refinance specialists familiar with Washington's escrow process and county-specific recording fees.
Explore refinancing optionsInvesting in Washington real estate
Washington's rental market is robust — particularly in Seattle, Bellevue, and Tacoma where tech employment drives strong tenant demand and premium rental rates. Eastern Washington (Spokane, Tri-Cities) offers significantly higher cap rates with more affordable entry points. Washington has state-level tenant protection laws but no statewide rent control; local ordinances vary by city. We connect investors with lenders who understand Washington's investment lending environment.
Learn more about investor lendingWashington-specific considerations
Every state has its own rules, costs, and market norms. Here's what matters most when financing a property in Washington.
No state income tax — but there is an excise tax
Washington has no personal income tax, which is a major draw for high earners. However, Washington does have a real estate excise tax (REET) paid by the seller at closing, which can influence negotiating dynamics. Buyers should also be aware of Washington's capital gains tax (enacted in 2022) which may apply when selling appreciated assets.
Seattle is a competitive market
In King County, the median days-on-market can be extremely short during peak seasons, and waiving inspection contingencies — while risky — is more common here than in most markets. Working with a lender who can provide strong pre-approval documentation and fast communication is critical to being taken seriously.
Eastern vs. Western Washington
The two sides of the Cascades are genuinely different markets. Western Washington (Seattle metro, Olympia, Bellingham) has high prices, low inventory, and intense competition. Eastern Washington (Spokane, Yakima, Tri-Cities) is more affordable and slower-paced. Lenders who are active in one region may not be as experienced in the other.
Washington resources
Also serving nearby states
Ready to get started in Washington?
Tell us about your situation and we'll connect you with a licensed mortgage professional who knows the Washington market.