The Spokane mortgage guides
Guides
Every guide, one page.
44 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 .
Start here.
If you only read four
- How much house can I afford?How much house you can afford in Spokane: the debt-to-income math lenders use, what a $425,000 home costs beyond the mortgage, and what moves your number most.
- Getting pre-approvedHow to get pre-approved for a mortgage in Spokane: the documents you need, how long it takes, what it does to your credit, and how much you can be approved for.
- First-time buyer, start to keysFirst-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.
- Who Brad is and how this worksIndependent mortgage lender serving Spokane County, WA and Kootenai County, ID. Conventional, FHA, VA, DSCR, jumbo, and refinance. Get real numbers fast.
44 of 44 guides
Where you're buying.
14 places · one guide each
Loan programs.
13 guides
- 01FHA 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
- 02VA 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: September 2026
- 03VA 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
- 04Conventional 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
- 05USDA 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: September 2026
- 06DSCR 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: September 2026
- 07Multifamily Home Loans in SpokaneHow to finance a duplex, triplex, or fourplex in Spokane: FHA at 3.5% down, conventional at 5%, VA at zero, 2026 loan limits, and how rental income counts.Updated: September 2026
- 08Jumbo 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
- 09Bank 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
- 10Physician Loans in Spokane, WAPhysician loans in Spokane for doctors, dentists, vets, PAs, NPs, and CRNAs: 100% financing, no mortgage insurance, and a signed contract counts as income.Updated: October 2026
- 11Construction 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
- 12Manufactured Home Loans in WashingtonManufactured home loans in Washington: FHA, VA, conventional, and USDA all finance them if the home passes three tests. The rules, the title fix, the catches.Updated: August 2026
- 13FHA Foundation Certification for Manufactured Homes in SpokaneWhat the FHA foundation certification (HUD-7584) checks on a Spokane manufactured home, who signs it, what it costs, what fails, and which loans require it.Updated: September 2026
Buying a home.
10 guides
- 01How Much House Can I Afford in Spokane?How much house you can afford in Spokane: the debt-to-income math lenders use, what a $425,000 home costs beyond the mortgage, and what moves your number most.Updated: September 2026
- 02Mortgage Pre-Approval in SpokaneHow to get pre-approved for a mortgage in Spokane: the documents you need, how long it takes, what it does to your credit, and how much you can be approved for.Updated: October 2026
- 03First-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: September 2026
- 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
- 05Zero 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
- 06Closing 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: September 2026
- 07Credit 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
- 08FHA 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: September 2026
- 09Idaho First-Time Home Buyer GuideIdaho first-time home buyer programs for Kootenai County: Idaho Housing assistance up to 8%, the Heroes program, the tax-deductible savings account, and more.Updated: August 2026
- 10Assumable 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
Owning & equity.
4 guides
- 01Refinance 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: September 2026
- 02How 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
- 03HELOC & 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
- 04Rapid Repay First-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
Spokane & the market.
3 guides
- 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: October 2026
- 02Spokane 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: September 2026
- 03Moving 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
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