NW Capital Mortgage helps buyers throughout Washington and Oregon get pre-approved and compare home purchase loan options before making an offer. We help you understand your options, so you don’t need to choose a mortgage program before you start.
A home loan pre-approval shows you how much you may be able to borrow and which home loan programs may best meet your goals. It also gives you a clearer picture of the down payment and other upfront funds you may need before you start making offers.
To get pre-approved for a mortgage, you provide information about your income, assets, debts, credit, and the type of home you plan to buy. NW Capital Mortgage will review that information to determine the loan amount and home purchase loan options you may qualify for.
You do not need to choose between conventional, FHA, VA, USDA, or other financing before you apply. A home loan pre-approval helps focus those options based on your qualifications and purchase plans.
Start Your Pre-ApprovalBefore you make an offer on a home, you want to know the price range of homes you can look at, how much money you expect to need at closing, and whether your purchase will use down payment assistance.
That lets you make a smart offer based on financing you have already discussed with your lender, rather than figuring out the loan afterward. In most competitive home markets, you will also need a home loan pre-approval for real estate agents and home sellers to seriously consider your offer.
If your financial situation or target purchase price changes during your search, we can update your pre-approval before you make an offer.
See the Mortgage Loan ProcessHomebuyers in Washington and Oregon may have several mortgage options.
Flexible purchase financing for qualified borrowers and a wide range of eligible property types.
Government-insured home loans with flexible credit and lower-down-payment options for qualified buyers.
Purchase financing for eligible veterans, active-duty service members, and qualifying spouses, including zero-down-payment options for qualified borrowers.
Zero-down-payment home financing may be available to qualified buyers purchasing eligible properties.
Mortgage financing for higher-priced homes when the amount borrowed exceeds applicable conforming loan limits.
Alternative purchase loan options may be available when a borrower’s income, property, or financing needs do not fit standard conventional or government-backed mortgage guidelines.
Special programs to help you buy a home even if you have little or no money for a down payment and loan closing costs.
Yes. Down payment assistance can help qualified buyers bridge the gap between what they have saved and what they need to buy a home by helping with the down payment and, in some cases, eligible closing costs.
Have enough income for a mortgage but not enough saved for the upfront costs of buying? Washington down payment assistance programs may help qualified buyers cover part of the down payment and, depending on the program, eligible closing costs. NW Capital Mortgage can help you compare WSHFC and other Washington DPA options with the home loan you plan to use.
Explore Washington AssistanceIf the down payment is what’s keeping you from buying, Oregon down payment assistance may help bridge the gap between what you have saved and what you need at closing. Qualified buyers may be able to use OHCS Flex Lending or other Oregon DPA options alongside an eligible mortgage to reduce upfront homebuying costs.
Explore Oregon Assistance
Yes. You can freely buy a home in either Washington or Oregon regardless of which state your employer or primary income is based in. Cross-border employment is common throughout the Pacific Northwest.
Because NW Capital Mortgage is licensed throughout Washington and Oregon, our team helps cross-border buyers navigate multistate income verification and compare home loans tailored to where you choose to live.