The Best Mortgage Lenders in Greenacres, WA
Compare verified mortgage lenders serving Greenacres, Washington. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Greenacres
Featured Mortgage Lenders
Jason Haegele
Sterling Savings Bank
Sterling Savings Bank has been serving the Spokane and Greenacres area for decades with deep local market expertise. As a regional bank with strong community ties, they offer personalized mortgage services with competitive rates. Their loan officers have extensive experience with Eastern Washington real estate markets and provide exceptional customer service throughout the entire lending process. They're particularly known for their responsive communication and ability to close loans efficiently.
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Chris Marr
Numerica Credit Union
Numerica Credit Union is a member-owned financial institution with multiple branches throughout Eastern Washington, including strong presence in the Spokane Valley/Greenacres area. They consistently receive high marks for their competitive rates, low fees, and exceptional member service. Their mortgage team specializes in first-time homebuyer programs and offers comprehensive educational resources. As a local credit union, they have deep understanding of the Greenacres market and provide personalized guidance.
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Mike Kain
Guild Mortgage Company
Guild Mortgage has a strong local presence in the Spokane area with experienced loan officers who specialize in serving Greenacres and surrounding communities. They're known for their wide variety of loan products and flexible underwriting standards. The company has earned numerous industry awards for customer satisfaction and maintains an A+ rating with the Better Business Bureau. Their local team provides hands-on guidance and maintains strong relationships with real estate professionals throughout Eastern Washington.
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Frequently Asked Questions
Common questions about mortgage lending in Greenacres, WA
Are there any down payment assistance programs specifically for Greenacres, WA homebuyers?
Yes, homebuyers in Greenacres can access statewide programs like the Washington State Housing Finance Commission's (WSHFC) Home Advantage and House Key Opportunity programs, which offer down payment assistance and competitive interest rates. These programs are particularly valuable in Spokane County, where they can help bridge the affordability gap for first-time and moderate-income buyers in the Greenacres area.
How do property taxes in Spokane County affect my mortgage payments in Greenacres?
Spokane County property taxes are a key component of your monthly escrow payment. The current combined rate for Greenacres is approximately $10-$12 per $1,000 of assessed value. Your lender will calculate this into your Debt-to-Income ratio, and it's wise to budget for potential annual increases, as local levies and school bonds can affect the rate.
What are typical mortgage rates offered by local lenders in the Greenacres area?
Mortgage rates in Greenacres are influenced by national trends but can vary slightly between local community banks, credit unions like Spokane Teachers Credit Union or Numerica, and national lenders. As of the current market, rates for a conventional 30-year fixed loan are competitive, but it's highly recommended to get quotes from several local institutions that have deep knowledge of the Spokane Valley/Greenacres real estate market.
Does the rural character of Greenacres affect the type of mortgage I can get for certain properties?
Potentially, yes. While most homes in established Greenacres subdivisions qualify for standard financing, if you are looking at a property with more acreage, a unique water system (like a well), or a septic system, you may face additional appraisal requirements. For truly rural parcels, a USDA Rural Development loan could be an excellent option, as much of Spokane County is eligible for this zero-down-payment program.
As a first-time homebuyer in Greenacres, what local resources should I consult before starting my search?
Begin with a HUD-approved housing counseling agency in Spokane County for free or low-cost homebuyer education. You should also get pre-approved with a local lender familiar with WSHFC programs. Finally, connect with a real estate agent who has specific experience in the Greenacres and Spokane Valley market to guide you through the competitive dynamics of finding a home in this desirable area.
Nearby Cities
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Why Choose a Mortgage Lender in Greenacres?
Local Market Knowledge
Lenders who understand Greenacres'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 Washington.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Greenacres and get competitive rates on your home loan.