WITH OUR HELP, YOUR
IS CLOSER THAN YOU THINK
Your trusted local mortgage partner serving all of Washington and Oregon. We have local knowledge and relationships that will help you reach your goals.
No two buyers are the same, which is why we offer flexible loan programs designed to fit different financial goals.
FHA Loans: Perfect for first-time buyers who need low down payment options.
VA Loans: Zero-down financing for veterans, service members, and military families, including those near Joint Base Lewis-McChord.
USDA Loans: Great for rural and suburban buyers in counties like Lewis, Skamania, Cowlitz, and Pacific in Washington; and Linn, Lane, and Deschutes in Oregon.
Conventional Loans: Competitive options for buyers across all of Washington and Oregon.
Jumbo Loans: Tailored financing for higher-priced homes in growing areas like Beaverton, Hillsboro, Spokane, Camas, and Vancouver.
Refinancing Options: Lower your payment, access home equity, or reduce your loan term with local refinance solutions.
WA Bond Home Loans: Helps you buy a home with no money down in Washington.
Specialty Loans: Zero down home loan options with no income limit, bank statement loans, debt service coverage ratio (DSCR) loans, and many others.
We’re proud to be a part of the communities we serve. From large metro areas like Portland and Seattle to our many wonderful small towns, we understand the Washington and Oregon housing markets, property values, and neighborhood trends that shape your homebuying experience.
Wherever you’re buying, refinancing, or investing, NW Capital Mortgage is here to bring clarity and confidence to your mortgage journey.
While we serve all of Washington and Oregon, we have a particular focus in these areas:
Vancouver • Camas • Battle Ground • Ridgefield
Longview • Kelso • Castle Rock
White Salmon • Goldendale
Centralia • Chehalis • Morton
Raymond • Long Beach
Spokane • Spokane Valley
Olympia • Lacey • Tumwater
Lake Oswego • Oregon City • Happy Valley • West Linn • Wilsonville
Bend • Redmond • Sunriver
Eugene • Springfield
Albany • Lebanon
Portland • Gresham
Beaverton • Hillsboro • Tigard • Forest Grove • Wilsonville
Salem • Keizer • Woodburn • Silverton
McMinnville • Newberg
It depends on the loan program. Programs like the WA Bond home loan for first-time buyers require little to no money down. VA and USDA loans offer zero-down financing, FHA loans require as little as 3.5%, and conventional loans can start at just 3% down.
As of 2025, the median sales price for homes in Clark County was $560,000. We’ll help you match your financing with the current market so you can buy with confidence.
Most loans close within 30 days, but our streamlined process helps keep things moving quickly so you can get into your home sooner.
Yes! In fact we recommend it. A pre-approval shows sellers you’re a serious buyer and helps you shop with a clear budget.
Most lenders look for a credit score of at least 620 to qualify for a conventional loan. FHA loans allow scores as low as 580, while VA and USDA loans often have more flexible requirements. The higher your score, the better your rate and loan options.
Absolutely. Many buyers choose to live in Vancouver or Clark County and commute to Portland for work. Washington residents enjoy no Washington state income tax, while still accessing Oregon’s job market. Lenders simply verify your income and employment in Oregon when qualifying you for a Washington mortgage.
Why Choose NW Capital Mortgage?
Whether you’re buying your first home in Olympia, refinancing in Spokane, or investing in property in Bend, our team is ready to help.
Apply online today or contact us to schedule a personalized consultation.
NW Capital Mortgage is helping families across Washington and Oregon achieve their homeownership dreams.
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We are committed to helping you buy a home in Washington even if you have no money saved for down payment.
We offer FHA, VA, USDA, Conventional, Jumbo & Specialty Programs and Down Payment Assistance Loans.
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