FHA Loans
Looking to buy a home in Washington State but worried about your credit score or down payment? An FHA loan from Adventure Lending can help!
Buy a Home with an FHA Loan – Easier Qualification, Lower Rates!
At Adventure Lending, we specialize in FHA loans, ensuring a smooth process from application to approval. Whether you’re checking FHA loan rates, and requirements, or using an FHA loan calculator, we’ve got you covered.
✔ Low 3.5% Down Payment – Own a home sooner
✔ Flexible Credit Requirements – Approval with 580+ score
✔ Lower FHA Loan Rates – Save on interest
✔ Easier Debt-to-Income (DTI) Ratios – Higher limits for better approval odds
🏡 Start your journey today!
What is an FHA Loan?
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration (FHA). It helps buyers with low-to-moderate income qualify for a home loan with less strict credit and down payment requirements.
✔ Lower credit score requirements – 580+ for 3.5% down
✔ Smaller down payments – As low as 3.5%
✔ Lower FHA loan rates – Often lower than conventional loans
✔ More flexible debt-to-income (DTI) ratios
With Adventure Lending, we help you determine eligibility, loan limits, mortgage insurance costs, and the best financing options for your home purchase.
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FHA Loan vs. Conventional Loan – Which One is Best?
Feature | FHA Loan (Washington) | Conventional Loan |
Down Payment | 3.5% (with 580+ credit) | 5% – 20%+ |
Credit Score | 580+ (or 500 with 10% down) | Typically 620+ |
Mortgage Insurance | Required (MIP) | Required if <20% down |
DTI Flexibility | More flexible | Stricter requirements |
Loan Limits | Up to $977,500 in WA | Varies by lender |
Need expert advice? Our FHA loan specialists at Adventure Lending will help you choose the right loan.
Why Choose Adventure Lending for FHA Loans in Washington?
🏆 Trusted FHA Loan Experts – Our experienced team guides you through every step, ensuring a smooth loan process.
🚀 Fast & Easy Approvals – We streamline the application process for quick approvals without unnecessary delays.
💰 Competitive FHA Loan Rates – Get the best rates and flexible terms tailored to your financial needs.
📍 Serving All of Washington – Whether you’re in Seattle, Tacoma, Spokane, Bellevue, or beyond, we’re here to help.
💡 Personalized Assistance – We take the time to understand your goals and find the best FHA loan option for you.
🔹 Ready to buy your dream home? Let’s make it happen!
📞 Call Adventure Lending today at (206) 486-2939 to get started!
FHA Loan Requirements in Washington
To qualify for an FHA loan in Washington, you need to meet these basic requirements:
✅ Credit Score: 580+ for 3.5% down, or 500+ with 10% down
✅ Employment & Income: Steady income for at least two years
✅ Primary Residence: You must live in the home you buy
✅ Debt-to-Income Ratio: Typically 50% or lower
✅ FHA Appraisal & Home Inspection: The property must meet FHA safety and condition guidelines
Not sure if you qualify? Let’s check your eligibility together! Contact Us
Use Our FHA Loan Calculator
Want to estimate your monthly payments? Use our easy FHA loan calculator to check:
💰 Loan amount
📉 Interest rate
📊 Down payment
🏡 Mortgage insurance (MIP)
📅 Property taxes & insurance
🔢 Calculate Your FHA Loan Payment
Your Next Financial Goal
Start Your Homeownership Journey with Us – Apply for a Mortgage Today!
Areas We Serve
What Our Clients Say
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Jake Burt2024-06-24Anders knows his stuff. Just closed on my second property with him, and we were clear to close in a week. Looking forward to our next deal!
Nicole Aleshchenko2024-02-03Anders is amazing at what he does. Anders is not just a mortgage specialist; he's a true educator of home loans and the real estate market in general. He has a remarkable talent for simplifying complex concepts, ensuring that his clients are well-informed and comfortable every step of the way. Whether it's helping buyers build their credit or providing valuable insights into the loan side of real estate, Anders goes above and beyond to assist his clients in achieving their dreams of homeownership. Thank you, Anders, for your dedication and exceptional service!
Matthew Camozzi2023-09-08Being a first time home buyer, I had the great fortune to use Anders and and let me tell you he should have 10 stars as a score! He simply went above and beyond, making the complex process of loan shopping easy. There was never any pressure, he is pure knowledge, answering all our questions big or small, always responding promptly and going the extra mile. We closed in 9 days and everything was done! I will recommend him to you all... you NEED him!
Charity Slawter2023-07-18I recently listed a home for sale for one of my clients and Anders was the lender for the buyer. We ran into some unique appraisal conditions towards the end of our transaction and Anders went above and beyond to make sure that we would still close on time. He spent hours calling and emailing several governmental departments to try to get an answer that would satisfy the condition for the appraiser and the underwriters. He was finally able to get an answer that would work for all involved. This issue could have dragged out for days or weeks but he was able to resolve it in one morning so that we could close on time!
Tiy R2023-05-18Anders is the BEST! I cannot begin to recommend him enough! He not only goes above and beyond for you, but he is honest and informative. This was our first home purchase, and so we found ourselves shopping around to ensure we were getting the best rate. Anders never once pressured us into a decision, and when things fell apart elsewhere, he stepped in and saved the day! He promptly responds to questions and goes the extra mile to ensure a quick and efficient closing! Please do not look any further and stick with him!! You will NOT regret it! We will definitely be using and referring to others in the future! Thank you again!!
Simon Cruz2023-05-18I am a Real Estate agent that had the opportunity to work along side of Anders in a very complex deal. Not only did he communicate at a 5 star level, he did it with professional down to Earth approach, while updating all parties every step of the way.
Jennifer Spragg2023-05-16Very responsive to questions, great attention to detail, extremely helpful and friendly throughout the process! Closed on our very first home 30 days from acceptance of offer! Amazing!
Elisa Arauz2023-05-16Working with Anders was an absolute pleasure. His communication was phenomenal through out the entire transaction and he was easily reachable. We closed on a loan before contract date. It was smooth, efficient and painless. Highly recommend him and extremely pleased with his high level of service and attention!
krismin42021-05-05Anders and his team are fantastic. They work quickly, efficiently and honestly. They are very responsive and knowledgeable about the business and gave us a fair rate. I would highly recommend.