Mortgage Policy in Washington

Learn about mortgage policy requirements, state regulations, and local lender options in Washington.

State Requirements

  • Proof of income (W-2s, tax returns)
  • Credit score 620+
  • Down payment (3-20%)
  • Debt-to-income ratio below 43%
  • Property appraisal

Regulations: WA state lending regulations require licensed lenders to follow federal Truth in Lending Act guidelines.

Cities in Washington Offering Mortgage Policy

Seattle Spokane Kennewick Bremerton Tacoma Olympia Vancouver Marysville Bellevue Kent Yakima Bellingham Everett Renton Spokane Valley Federal Way Kirkland Auburn Pasco Redmond Wenatchee Longview Mount Vernon South Hill Sammamish Lakewood Richland Shoreline Lacey Burien

Reviewed by the LoanPolicies Editorial Team

Our editorial team researches and fact-checks all content to ensure accuracy. We update guides regularly to reflect current regulations and market conditions.

Find the Best Loan for You

Compare personalized loan offers from top lenders. Checking rates won't affect your credit score.

Check My Rate

The lowest rates are only available to the most qualified applicants.