Home Loans

Find a mortgage personalized to your home-buying needs. From first-time buys to refis, we offer the options and expertise to help you find the right loan.
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Why choose Numerica for your mortgage? 

Our home loan officers are knowledgeable advisers who understand your hometown market. Plus, we offer options and tools typical of the largest providers.

 

FIXED-RATE HOME LOANS

For those who prefer the peace of mind of a locked-in rate

ADJUSTABLE-RATE MORTGAGES

For those with plans to move — or pay off the loan quickly

FIRST-TIME HOMEBUYER LOANS

For those purchasing their first home

COMBO HOME LOANS

For those looking for a strategy to avoid Private Mortgage Insurance (PMI)

  • Works as two loans on the same property for a qualified buyer
  • Second mortgage often used toward down payment, avoiding PMI

VETERAN (VA) LOANS

For eligible military service members or spouses purchasing a home

  • Loan is guaranteed in part by Department of Veteran Affairs, which often means better terms or interest rates
  • No down payment options available
  • No Private Mortgage Insurance (PMI)

FHA LOANS

For home seekers looking for a program to help make ownership more accessible

  • Insured by the Federal Housing Administration, loan is intended to help homebuyers with lower credit scores or limited down payments
  • Can be used for fixed- and adjustable-rate mortgages

ZERO-DOWN HOME LOANS

For those looking to avoid a down payment

  • With no down payments, you only pay closing costs
  • Open to eligible first-time homebuyers as well as existing homeowners
  • Can be used by qualified borrowers to maximize purchasing power or retain cash on hand

USDA LOANS

For people looking for a home in a rural community

  • Backed by the United States Department of Agriculture, loan helps eligible families seeking a home that will serve as their primary residence
  • Options include no money down
  • Property must be located in an eligible area, and applicants can’t exceed household income limits

CONSTRUCTION LOANS

For people looking to build their dream home

  • Begins as a construction loan then rolls into a fixed-rate home loan**
  • Interest-only payments during building period
  • Finance up to 80% of the estimated value 

Home-buying tips for every stage of life

READ MORE

FREQUENTLY
ASKED QUESTIONS

HOW MUCH INCOME DO I NEED TO BUY A HOUSE?

Income is one of several factors that go into determining if it’s a good time to buy a house. Take a holistic look at your financial health, including your budget and your own comfort level. A Numerica home loan adviser can walk you through some of these questions as part of a prequalification process.

HOW DO I KNOW HOW EXPENSIVE OF A HOME I CAN AFFORD?

There are online calculators that will offer you an answer to this question, but be careful. A lot of the time, you technically could afford more than your future self would say you should be spending. 

At Numerica, we’re here to help you live well with your finances. To help you consider how much you want to spend on a home, review our Home Buying 101 guide or these home loan options.

WHAT’S THE DIFFERENCE BETWEEN PREQUALIFICATION AND PREAPPROVAL?

They sound alike, but these 2 terms represent different steps in the home-buying process. Get prequalified at the beginning. This helps you estimate your budget and determine loans you may be eligible for. To get preapproved, you must complete a mortgage application, which includes a thorough review of your credit history and financial life to date. It’s helpful to have your preapproval when making an offer on a house. 

HOW DO I KNOW IF I QUALIFY FOR A SPECIAL LOAN PROGRAM?

From first-time programs to those backed by the VA, FHA, and USDA — a ton of information is out there. Self-education is important, but our team of Numerica advisers is here to fill in the gaps. We can answer your questions and help you determine if a special loan program is right for you. Reach out to a team member today. 

All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. 

*

Covering the home-buying process, Homebuyer Education Seminars meet the educational requirements of the Washington State Housing Finance Corporation (WSHFC) and USDA Rural Development Loans.

**

Home loan rate set to market rates at time of rollover.

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