The Best Mortgage Lenders in Washington, CA
Compare verified mortgage lenders serving Washington, California. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Washington
Featured Mortgage Lenders
loanDepot
loanDepot, LLC
loanDepot is a top-rated mortgage lender known for its competitive rates and efficient online application process, making it a popular choice for homebuyers across California. With over a decade of experience, they offer a wide range of loan products and have received high marks for customer service and transparency. Their strong presence in California, combined with numerous positive reviews highlighting quick closings and responsive support, solidifies their reputation as a reliable option for mortgages in the state.
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New American Funding
New American Funding
New American Funding stands out for its commitment to diversity and inclusion in lending, particularly serving first-time homebuyers and underserved communities in California. With two decades of experience, they provide personalized service and a broad array of loan options, earning high customer satisfaction ratings for their attentive loan officers and flexible solutions. Their extensive network and positive feedback on platforms like Google and BBB make them a trusted lender in the region.
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CrossCountry Mortgage
CrossCountry Mortgage, LLC
CrossCountry Mortgage is a highly regarded lender with a strong regional presence in California, praised for its comprehensive loan offerings and dedicated local advisors. Founded in 2003, they have built a reputation for reliability and customer-centric approaches, often highlighted in reviews for smooth processes and competitive rates. Their ability to serve various California markets, coupled with consistent high ratings, positions them as a top choice for home financing needs.
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Frequently Asked Questions
Common questions about mortgage lending in Washington, CA
What are the current mortgage rates like in Washington, CA compared to the rest of the state?
Mortgage rates in Washington, a small town in Nevada County, are generally aligned with statewide California averages. However, as a rural area, you may find slightly different lender availability and potentially higher rates for non-conforming or unique properties compared to major metropolitan areas. It's best to compare offers from both local credit unions and larger national lenders.
Are there any down payment assistance programs specifically for Washington, CA homebuyers?
Yes, the California Housing Finance Agency (CalHFA) offers statewide programs like MyHome Assistance Program, which is available to Washington homebuyers. Additionally, Nevada County may have local assistance programs, and some lenders offer special programs for rural areas like ours. First-time buyers should consult with a mortgage advisor familiar with Nevada County resources.
How does Washington's rural location affect the mortgage approval process?
Washington's rural classification can impact appraisals, as comparable properties might be farther apart and more varied. Lenders may require additional documentation about property characteristics unique to rural living, such as well and septic systems. Some jumbo or specialized loan products might have different availability than in urban areas.
What special considerations should I know about when getting a mortgage for a property with land in Washington?
Properties with significant acreage in Washington may require agricultural or rural property loans, which often have different underwriting standards. Lenders typically limit the amount of land included in a conventional mortgage, and properties with income-producing potential (orchards, livestock) may need specialized loan products. Always disclose the full property details to your lender early in the process.
Are there any local Washington programs that help with closing costs or offer special terms?
While Washington itself doesn't have city-specific programs, Nevada County offers resources through its Housing and Community Services. Local credit unions like Sierra Central Credit Union often have special programs for area residents, including closing cost assistance and first-time homebuyer workshops tailored to our rural market conditions.
Why Choose a Mortgage Lender in Washington?
Local Market Knowledge
Lenders who understand Washington's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in California.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Washington and get competitive rates on your home loan.