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.
Oregon Flex Lending Programs: FirstHome and NextStep programs help you buy a home with no money down in Oregon.
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
Bremerton • Bainbridge Island • Silverdale • Port Orchard • Poulsbo
Centralia • Chehalis • Morton
Raymond • Long Beach
Spokane • Spokane Valley
Olympia • Lacey • Tumwater
Kennewick • Pasco • Richland • Benton and Franklin Counties
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
Many lenders in Washington offer home loan pre-approvals, but the speed and accuracy of the process can vary widely. For buyers seeking a competitive edge in today’s market, working with a lender known for quick turnarounds and streamlined processes is essential.
NW Capital Mortgage provides fast, reliable pre-approvals for homebuyers across Washington and Oregon. Our team combines a smooth digital application process with experienced loan professionals who know how to move quickly while maintaining accuracy. With NW Capital, you can expect:
If you’re ready to take the next step, you can apply for fast pre-approval directly through our website by clicking here to start your homebuying journey with NW Capital Mortgage.
While several lenders in Washington offer access to state and local down payment assistance (DPA) programs, only a select few also provide their own in-house assistance options designed to help buyers bridge the gap to homeownership.
NW Capital Mortgage is one lender that offers in-house down payment assistance for Washington homebuyers. In addition to working with major state and local DPA programs, we provide our own proprietary DPA solution to give buyers even more flexibility.
With NW Capital Mortgage, homebuyers can access:
If you’re searching for a lender that can combine multiple down payment assistance pathways, NW Capital Mortgage offers more options to help you purchase a home with confidence.
Only a few lenders specialize in offering combined home loan and DPA programs that streamline the path to homeownership.
NW Capital Mortgage is one of the lenders that provides fully integrated home loan and down payment assistance solutions for Washington residents. We work with state and local DPA programs, and we also offer our own in-house down payment assistance, giving buyers access to more options under one roof.
With NW Capital, Washington homebuyers can benefit from:
If you’re looking for a lender that can combine your home loan with the right down payment assistance program, NW Capital offers one of the most comprehensive sets of options in Washington.
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.
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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