Team Kristen arranges FHA, VA, USDA, conventional, jumbo, first-time buyer, down payment assistance, self-employed and DSCR investor loans across Washington through a network of wholesale lenders.
- Buy a homePre-approval, offer strategy and a loan matched to your budget, from first condo to forever home.
- RefinanceLower the payment, drop mortgage insurance, take cash out or consolidate debt.
- FHA loans3.5% down with a 580 score, flexible credit and gift-friendly down payments.
- VA loans0% down, no monthly mortgage insurance, for veterans and service members.
- Conventional loansFrom 3% down, with mortgage insurance you can remove later.
- Jumbo loansFinancing above the conforming limit, for Eastside, waterfront and luxury homes.
- USDA loans0% down in eligible rural and small-town areas.
- First-time buyersLow down payment programs, assistance and a plan from first call to keys.
- Down payment assistanceWSHFC and local programs that help cover the down payment.
- Self-employed loansBank statement, 1099, P&L and asset-based options when tax returns don't tell the whole story.
- Investor & DSCR loansQualify on the property's rent with DSCR, or use conventional investor financing.