President of Milestone
Banks offer their own products. Milestone offers the market. Your loan officer shops your scenario across 65+ investors to find the rate and program that fits your situation. You get options, not a take-it-or-leave-it quote.
Washington is one of only a few states where Milestone has boots on the ground twice over: a branch in Bellevue and another in Tacoma. Wherever you're buying, from Seattle and Spokane to Vancouver and Everett, your loan officer has the same 65+ investor network as either branch, backed by local offices instead of a purely remote setup.
Clear-to-close in as few as 15 days. Every cost is upfront from day one. No surprise fees, no fine print.
Your loan officer matches you to the right loan based on your goals, not a script. Whether you're a first-time buyer in Kent or refinancing in Renton, your loan officer walks you through every step from application to closing.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
Conventional Loans: The 2026 conforming loan limit for most Washington counties is $832,750. King, Pierce, and Snohomish counties, covering Seattle, Tacoma, and Everett, are elevated to $1,063,750 given the region’s higher home prices.
FHA Loans: FHA loan limits in Washington run from the national floor of $541,287 in counties like Spokane and Yakima up to $1,063,750 in King, Pierce, and Snohomish counties.
VA Loans: Washington is home to Joint Base Lewis-McChord near Tacoma, one of the largest military installations on the West Coast, along with Naval Base Kitsap, Naval Station Everett, and Fairchild Air Force Base near Spokane. VA loans see steady demand across the state as a result.
USDA Loans: USDA eligibility is concentrated in eastern Washington’s agricultural counties and parts of the Olympic Peninsula. The Seattle-Tacoma-Bellevue corridor does not qualify.
Jumbo Loans: In most of Washington, anything above $832,750 is jumbo. In King, Pierce, and Snohomish counties, that threshold rises to $1,063,750 before jumbo financing comes into play.
Milestone serves homebuyers in Seattle, Spokane, Tacoma, Vancouver, Bellevue, Everett, Kent, Renton, and communities throughout the state. Your loan officer matches you to the right program, whether that’s a conventional loan near one of our Bellevue or Tacoma offices or VA financing for a service member near Joint Base Lewis-McChord.
Washington does not require an attorney at closing. A title or escrow company typically handles the settlement process instead. Washington is also a community property state, so a spouse’s debts can factor into loan qualification even when that spouse isn’t on the application. Milestone operates within full compliance of Washington’s regulatory framework and keeps current on WSHFC programs like Home Advantage, which offers eligible buyers down payment assistance as a deferred, no-interest second loan.
Milestone serves homebuyers in 30+ states.
Can’t make it during business hours? Leave a message anytime and we’ll get back to you the next business day.
Milestone has 70+ loan officers ready to help you find the right mortgage. Tell us about your goals and we’ll match you with a loan officer who knows your market and fits your situation.
Fill out a short form on our website. We'll ask the basics: purchase or refinance, loan amount, and your timeline. Takes about 5 minutes.
Your loan officer reviews your scenario and shops it across 65+ investors. You'll receive personalized loan options and suggestions, not a generic rate sheet.
Once you've chosen the right option, your loan officer locks the rate and walks you through your documents. Upload everything through Milestone's secure portal.
Milestone coordinates with your real estate agent, title company, and appraiser. Clear-to-close in as few as 16 days.
Washington charges a graduated real estate excise tax (REET) at the state level: 1.10% on the portion of the sale price up to $525,000, 1.28% up to $1,525,000, 2.75% up to $3,025,000, and 3.00% above that, with local REET added on top depending on the county and city. The seller usually pays it, though the buyer becomes responsible if the seller doesn’t.
Yes. Washington protects the greater of $125,000 or your county’s median home sale price from the prior year, whichever is higher, for an occupied primary residence. In a high-cost county like King, that median figure can run well above the $125,000 floor. No filing is required if you live in the home; a recorded Declaration of Homestead is only needed for unoccupied land you intend to build on, or to protect sale proceeds after you sell.
Yes. The Washington State Housing Finance Commission runs Home Advantage, a no-interest second loan with payments deferred for 30 years, worth up to 4% of your mortgage amount (5% when paired with an HFA Preferred conventional loan). WSHFC also offers targeted programs for veterans, buyers with disabilities, and lower-income households. Many are structured as small second loans with 1% to 3% interest and payments deferred for 30 years.
Yes. In Washington, a spouse’s debts and obligations can factor into loan qualification even if that spouse isn’t listed on the mortgage application, since assets and debts acquired during the marriage are generally considered jointly owned. This mainly comes up in underwriting and title work, so it’s worth flagging to your loan officer early if you’re married and applying alone.
Your Milestone loan officer will compare options from 65+ investors to find the right fit for your situation in Washington, backed by local teams in Bellevue and Tacoma. Fill out a quick form and a loan officer will reach out to walk you through your options. Not in Washington? Milestone serves homebuyers in 30+ states.
