The Best Mortgage Lenders in Plymouth, WA
Compare verified mortgage lenders serving Plymouth, Washington. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Plymouth
Featured Mortgage Lenders
Brian F. Thompson
Guild Mortgage - Yakima
Guild Mortgage's Yakima branch, led by Brian Thompson, is one of the highest-rated mortgage operations in Central Washington with exceptional service to the Plymouth area. With over 60 years in business nationally and hundreds of 5-star reviews specifically for this branch, they offer personalized service and competitive rates. Their expertise with USDA rural housing loans makes them particularly valuable for Plymouth homebuyers, and they have extensive experience with first-time homebuyer programs and veteran financing options.
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HAPO Community Credit Union
HAPO Community Credit Union
As the largest credit union serving the Tri-Cities region including Plymouth, HAPO has built an outstanding reputation for mortgage lending with highly competitive rates and exceptional member service. With deep roots in the Columbia Basin community since 1948, they offer personalized mortgage solutions and local decision-making. Their not-for-profit structure often results in lower fees and better terms for borrowers, and they have extensive experience with agricultural and rural properties common in the Plymouth area.
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Chris A. Johnson
Umpqua Bank - Home Lending
Umpqua Bank has a strong regional presence throughout Washington and Oregon with a particularly well-regarded mortgage division serving Eastern Washington communities like Plymouth. Their local loan officers have extensive knowledge of the Columbia River region's real estate market and offer competitive construction and land loans that are valuable for rural properties. With decades of community banking experience and local underwriting, they provide personalized service that national lenders can't match, plus the stability of an established financial institution.
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Frequently Asked Questions
Common questions about mortgage lending in Plymouth, WA
Are there specific down payment assistance programs available for homebuyers in Plymouth, WA?
Yes, homebuyers in Plymouth can access the Washington State Housing Finance Commission's (WSHFC) programs, such as the Home Advantage Downpayment Assistance loan. This is particularly helpful given Plymouth's more rural setting in Benton County, where these state-wide programs are often crucial for making homeownership attainable with lower upfront costs.
How do irrigation district assessments or water rights affect the mortgage process for Plymouth properties?
This is a critical local consideration. Many properties in the Plymouth area are within irrigation districts, and potential special assessments or water right transfers must be reviewed during the title search. Lenders will require these obligations to be identified and may need proof they are current, as they can affect property value and the buyer's future liabilities.
What are typical property tax rates in Plymouth, and how are they factored into my mortgage payment?
Property tax rates in Plymouth/Benton County are generally lower than the Washington state average, often around 0.90% to 1.10% of assessed value. Your lender will use this rate to estimate annual taxes for your escrow account, but it's wise to verify the exact assessment for your specific property, as rates can vary slightly based on local levies and the property's location within fire or school districts.
Are USDA Rural Development loans a common and viable option in Plymouth, WA?
Absolutely. Given Plymouth's designation as a rural area by the USDA, many buyers utilize USDA loans, which offer 100% financing with no down payment. This is one of the most advantageous programs for the area, making it a popular choice for eligible buyers looking to purchase a primary home in this community.
How does the local agricultural and seasonal economy around Plymouth influence mortgage lender requirements?
Lenders are familiar with the area's reliance on agriculture and seasonal work. If your income is seasonal (e.g., from farming, vineyards, or related industries), you may need to provide a longer history of income—typically two years—to demonstrate stability. Strong documentation, like tax returns with Schedule F, is essential for loan approval in these cases.
Why Choose a Mortgage Lender in Plymouth?
Local Market Knowledge
Lenders who understand Plymouth'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 Plymouth and get competitive rates on your home loan.