Washington State Mortgage Broker — Wholesale Rates for WA Home Buyers
Options Home Loans is a licensed Washington State mortgage broker (NMLS #2221613) serving buyers and homeowners across WA. We shop multiple wholesale lenders to find rates retail banks can't match — on FHA, VA, conventional, jumbo, non-QM, and DSCR loans.
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Wholesale Rates
Wholesale Access
NMLS #2221613
Licensed in Washington
Same-Day Pre-Approval
Fast Closings
Loan Programs Available in Washington
Every program available through wholesale lenders — not just what one bank offers.
FHA Loans
3.5% down, 580+ credit score
VA Loans
0% down for veterans & active military
Conventional
Fannie Mae / Freddie Mac financing
Jumbo Loans
Above conforming limit — up to $5M+
Non-QM / Bank Statement
Self-employed, no tax returns needed
DSCR Investor Loans
Qualify on rental income, not W-2
2026 Washington State conforming loan limit: $806,500 for most counties. King, Pierce, and Snohomish counties (Seattle metro) reach $977,500. See full 2026 loan limits table →
Washington State First-Time Buyer & Down Payment Assistance Programs
Washington State Housing Finance Commission (WSHFC) Home Advantage
WSHFC's Home Advantage program offers below-market first mortgage rates plus down payment assistance of up to 4% of the loan amount as a deferred second mortgage. Available statewide for first-time buyers meeting income limits.
WSHFC Opportunity Program
Provides a below-market rate first mortgage for buyers with lower incomes. Paired with down payment assistance. Income limits are lower than Home Advantage but rates are more favorable.
House Key Plus ARCH (King County)
King County's ARCH program provides down payment assistance for buyers in the Seattle metro area. Income limits and property location requirements apply.
Washington USDA Loans
Rural Washington communities — including many areas east of the Cascades — qualify for USDA 0% down loans. Eligible areas include parts of Eastern Washington, the Olympic Peninsula, and rural Western Washington.
DPA program availability and terms subject to change. Contact us for current program details and eligibility requirements.
Washington Mortgage FAQ
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Options Home Loans LLC · NMLS #2221613 · Equal Housing Lender. Licensed in Washington State.