HHL Group, a Division of Canopy Mortgage, LLC

Brad PatshkowskiNMLS #71298

Guides(509) 252-4000Apply — opens the application in a new tab

HHL Group — a Division of Canopy Mortgage, LLC · NMLS #1359687

The Spokane mortgage guides

Guides

Every guide, one page.

26 guides on lending in Spokane and North Idaho — written by Brad, kept current, and free of the usual lead-capture runaround. Read what you need, or .

Loan programs.

9 guides

  1. 01Bank Statement Loans in Spokane, WABank statement loans in Spokane for self-employed buyers: qualify on 12-24 months of deposits instead of tax returns. 1099 programs and requirements explained.Updated: August 2026
  2. 02Construction Loans in Spokane, WAConstruction loans in Spokane and Kootenai County: one-time close vs. two-step financing, VA and FHA construction options, land loans, and draw schedules.Updated: August 2026
  3. 03Conventional Loans in Spokane, WAConventional home loans in Spokane County, WA — $832,750 conforming limit for 2026, as low as 3% down for first-time buyers, and PMI that drops off at 20%.Updated: August 2026
  4. 04DSCR Loans in Spokane, WADSCR loans for investment properties in Spokane and Coeur d'Alene. Qualify on rental income alone — no W-2s or tax returns. 20% down, 620+ credit score.Updated: August 2026
  5. 05FHA Loans in Spokane, WAFHA loans in Spokane and Coeur d'Alene: 3.5% down with a 580 credit score, 2026 loan limits, and what MIP costs — explained by a local loan officer.Updated: August 2026
  6. 06Jumbo Loans in Spokane, WAJumbo loans in Spokane and Coeur d'Alene: 5% down with a 680 credit score up to $2M. 2026 conforming limits and rates explained by a local lender.Updated: August 2026
  7. 07USDA Loans in Spokane County, WAUSDA loans near Spokane: zero down for non-veterans in Deer Park, Cheney, Medical Lake, and rural Spokane County — 2026 income limits explained.Updated: August 2026
  8. 08VA Loan Requirements for 2026VA loan requirements for 2026: qualifying service time, the credit reality behind 'no minimum,' funding fee tiers, property standards, and Guard rules.Updated: August 2026
  9. 09VA Loans in Spokane, WAVA home loans in Spokane for veterans and active duty: zero down, no monthly mortgage insurance, and how the funding fee works. Fairchild AFB families welcome.Updated: August 2026

Buying a home.

7 guides

  1. 01Assumable Mortgages in WashingtonAssumable mortgages in Washington: which loans can be assumed, how to find them in Spokane, the equity-gap problem, and what the process really takes.Updated: August 2026
  2. 02Closing Costs in Washington StateClosing costs in Washington State, explained: what buyers pay, what sellers pay (including excise tax), and real numbers on a $425,000 Spokane purchase.Updated: August 2026
  3. 03Credit Score to Buy a House in WashingtonThe credit score you need to buy a house in Washington: real program minimums from 500 to 700+, what lenders approve, and how to buy with bruised credit.Updated: August 2026
  4. 04Down Payment Assistance in Spokane, WADown payment assistance for Spokane buyers: WSHFC Home Advantage, Opportunity, HomeChoice, Veterans, and Covenant programs — and when DPA actually wins.Updated: August 2026
  5. 05FHA Loan Limits in Spokane County WA for 2026The 2026 FHA loan limit in Spokane County, WA is $541,287 for a single-family home — same ceiling in Kootenai County, ID. MIP and down payment explained.Updated: August 2026
  6. 06First-Time Home Buyer in Spokane WA — Loans, DPA & How to StartFirst-time home buyer guide for Spokane, WA: real down payment numbers at the $425,000 median, loan options, and the process from pre-approval to keys.Updated: August 2026
  7. 07Zero Down Home Loans in WashingtonZero down home loans in Washington: VA and USDA put $0 down for real, and assistance stacking gets FHA close. Every real option and every catch, one page.Updated: August 2026

Owning & equity.

4 guides

  1. 01First-Lien HELOC in Spokane, WAThe Rapid Repay first lien HELOC replaces your Spokane mortgage with a line of credit and sweep account — income cuts your balance daily.Updated: August 2026
  2. 02HELOC & Home Equity Loans in Spokane, WAHELOC and home equity loans in Spokane: how each works, how much you can borrow against your home, and when a cash-out refinance beats both.Updated: August 2026
  3. 03How to Remove PMI in SpokaneHow to remove PMI from your mortgage: the 80% request, the automatic drop at 78%, the appreciation shortcut Spokane owners qualify for, and when to refinance.Updated: August 2026
  4. 04Refinance Your Mortgage in Spokane, WARefinance your Spokane or Coeur d'Alene home. Lower your payment, pull cash out, or remove PMI with a local lender who prices your actual file.Updated: August 2026

Spokane & the market.

6 guides

  1. 01Best Mortgage Lender in Spokane, WA: How to ChooseHow to choose a mortgage lender in Spokane, WA — bank vs. broker vs. correspondent, key questions to ask, red flags, and what local underwriting means.Updated: August 2026
  2. 02Mortgage Lender in Coeur d'Alene, IdahoMortgage lender in Coeur d'Alene, Idaho and Kootenai County. Conventional, FHA, VA, DSCR, and refinance loans. Serving CDA, Post Falls, Hayden, and Rathdrum.Updated: August 2026
  3. 03Mortgage Lender in Spokane WA — Brad Patshkowski, HHL GroupIndependent mortgage lender serving Spokane County, WA and Kootenai County, ID. Conventional, FHA, VA, DSCR, jumbo, and refinance. Get real numbers fast.Updated: August 2026
  4. 04Moving to Spokane in 2026Moving to Spokane: real housing costs at the $425,000 median, neighborhoods by lifestyle, the Idaho-side option, and the honest pros and cons from a local.Updated: August 2026
  5. 05Spokane Housing Market 2026The Spokane housing market in 2026: median around $425,000, homes moving in about three weeks, and a market that finally gives buyers room to negotiate.Updated: August 2026
  6. 06Spokane Valley, WA Mortgage Lender — Brad Patshkowski, HHL GroupMortgage lender with an office on N Argonne Rd in Spokane Valley, WA. Credit unions vs. banks vs. brokers vs. independent lenders, and how to pick one.Updated: August 2026

Not sure which guide fits? Ask the question instead