The Best Mortgage Lenders in Marysville, WA
Compare verified mortgage lenders serving Marysville, Washington. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Marysville
Featured Mortgage Lenders
Sound Credit Union Mortgage Department
Sound Credit Union
Sound Credit Union is one of the most highly-rated mortgage lenders serving the Marysville area with deep roots in Snohomish County. As a member-owned financial cooperative, they offer competitive rates and personalized service. Their mortgage team specializes in first-time homebuyer programs and provides comprehensive guidance through the entire home financing process. With multiple branches throughout the region and excellent online reviews, they're known for their local expertise and commitment to community lending in the North Puget Sound area.
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Jet Home Loans
Jet Home Loans
Jet Home Loans is a highly-rated local mortgage broker serving Marysville and surrounding Snohomish County communities. They consistently receive top marks for their exceptional customer service, competitive rates, and efficient loan processing. Specializing in both purchase and refinance transactions, their team has extensive experience with various loan programs including VA loans popular with military families near Naval Station Everett. Their personalized approach and local market knowledge make them a preferred choice for Marysville homebuyers seeking a smooth mortgage experience.
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Guild Mortgage - Everett Branch
Guild Mortgage Company
Guild Mortgage's Everett branch serves Marysville with a strong local presence and national resources. As an established mortgage lender with decades of experience, they offer a wide range of loan products and have particular expertise in government-backed loans. Their local loan officers understand the Marysville real estate market dynamics and provide personalized service throughout the lending process. Guild is known for their competitive rates, flexible underwriting, and commitment to helping borrowers achieve homeownership with various financial situations and credit profiles.
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Frequently Asked Questions
Common questions about mortgage lending in Marysville, WA
Are there any down payment assistance programs specifically for first-time homebuyers in Marysville, WA?
Yes, Marysville homebuyers can access the Washington State Housing Finance Commission's (WSHFC) programs, such as the Home Advantage Downpayment Assistance loan. This program is particularly useful in Marysville's competitive market, offering deferred-payment, low-interest loans to help with down payments and closing costs, often paired with a competitive first mortgage rate.
How does the proximity to the Tulalip Tribes' economic developments impact mortgage lending in Marysville?
The stability and job growth from the Tulalip Resort Casino, Quil Ceda Creek, and associated retail can be viewed positively by lenders, potentially supporting strong debt-to-income ratios for applicants employed there. However, lenders will still underwrite based on standard criteria; income from tribal enterprises is treated as any other W-2 or business income.
What are typical closing costs for a mortgage in Marysville compared to the rest of Snohomish County?
Closing costs in Marysville are generally aligned with Snohomish County averages, typically ranging from 2% to 5% of the loan amount. Specific local costs include the Snohomish County recording fees and potential Marysville-specific utility connection fees. Your lender should provide a detailed Loan Estimate that itemizes all these local charges.
Are there specific loan considerations for buying a home in Marysville's newer developments versus its established neighborhoods?
Yes, for newer developments (like in the Getchell or Lakewood areas), lenders may have specific appraisal requirements to ensure the property is consistent with completed homes in the subdivision. In established neighborhoods, older homes may require closer scrutiny for repair needs, which could affect FHA 203(k) or renovation loan options.
How do Marysville's property tax rates affect my monthly mortgage payment and qualification?
Marysville's property tax rate is a composite of city, county, school, and other district levies, typically around 1.0% to 1.2% of assessed value. Lenders will use the estimated annual tax amount to calculate your total monthly payment (PITI), which directly impacts the debt-to-income ratio you need to qualify for the loan. It's crucial to get an accurate tax estimate when budgeting.
Nearby Cities
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Why Choose a Mortgage Lender in Marysville?
Local Market Knowledge
Lenders who understand Marysville'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 Marysville and get competitive rates on your home loan.