Mortgages in King County

Where We Lend

Griffin Funding is here to assist you with your home financing needs across King County and beyond, providing personalized service for anyone seeking a Washington mortgage.

We proudly serve all areas within King County and throughout Washington State, including:

Mortgage Types Available in King County

There is a wide range of loan types designed to fit your needs in King County, no matter if you’re purchasing your first home, growing your real estate portfolio, or looking to refinance your mortgage. Explore all the available King County mortgage programs below:

• Bank Statement Loans: Perfect if you’re self-employed, these loans use bank deposits to verify income instead of W-2s or tax returns. Business owners, freelancers, and gig workers often turn to this option for qualifying based on consistent cash flow. This program is a convenient solution for securing a King County mortgage loan.
• DSCR Loans: These loans are designed for real estate investors and allow you to qualify based on a property’s rental income rather than personal earnings. DSCR loans are a streamlined way to refinance an investment property or expand your rental portfolio.
• Asset-Based Loans: If you’re a retiree or high-net-worth borrower, this option enables you to qualify based on assets rather than income. Asset-based loans offer financial flexibility and are ideal for those without traditional employment or W-2 income.
• VA Loans: Active-duty service members, veterans, and eligible family members can take advantage of VA loans, which offer no down payment, competitive King County mortgage rates, and relaxed credit standards. Ultimately, these loans make homeownership more accessible for those who’ve served.
• FHA Loans: FHA loans are a popular choice for first-time home buyers and those with moderate income or lower credit scores. With a down payment as low as 3.5%, this program offers an affordable entry point into the King County housing market.
• USDA Loans: Designed for buyers in rural and suburban areas, USDA loans offer 0% down payment options. These loans make it easier for lower-income buyers to purchase property in qualifying areas while accessing affordable King County mortgage rates.
• Home Equity Loans: Tap into your home’s equity to finance major expenses like home renovations or debt consolidation. While these loans provide a lump sum, a home equity line of credit (HELOC) is another option that offers a revolving line of credit. Both options give you the flexibility to leverage your property’s value.
• ITIN Loans: ITIN loans are another option for those seeking a King County home loan. They allow non-U.S. citizens without Social Security Numbers to qualify for a home loan using an Individual Taxpayer Identification Number.
• Conventional Loans: A widely available option, conventional loans offer competitive terms with fixed or adjustable rates. This program is ideal for buyers with good credit seeking a traditional King County mortgage.
• Private Money Loans: Private money loans, or hard money loans, are asset-backed and designed for quick financing. These loans are commonly used by real estate investors for fix-and-flip projects or other short-term investment opportunities.

How to Get a Home Loan in King County

Buying a home is an exciting journey, and understanding the steps to secure a King County mortgage loan can make the process much smoother. If you’re a first-time buyer or even an experienced homeowner, following a clear plan will help you get the best deal and avoid unnecessary stress. Here’s a simple guide to walk you through the process:

1. Evaluate your finances: Start by reviewing your credit score, income, and savings. This will help you determine how much you can afford and prepare for upfront costs like the down payment and closing fees.
2. Get pre-approved: Reach out to a trusted King County mortgage company to get pre-approved for a loan. This step shows sellers you’re serious and gives you a clear idea of your potential mortgage rate and budget.
3. Find your dream home: Work with a real estate agent to identify homes that match your needs and budget. Be sure to consider location, future growth, and resale value.
4. Make an offer: Once you’ve found the right property, submit an offer through your agent. Negotiations may follow, so stay flexible and patient.
5. Finalize your loan application: After your offer is accepted, provide your lender with the necessary documents (like income verification and bank statements) to finalize your King County mortgage loan.
6. Complete the home inspection and appraisal: These steps ensure the property is in good condition and worth the price you’ve agreed to pay.
7. Close the deal: At the closing meeting, you’ll sign the final paperwork, pay closing costs, and officially become a homeowner.

Why Work With Griffin Funding?

Griffin Funding stands out as a trusted King County mortgage company dedicated to helping you secure the perfect home loan. We offer a variety of flexible loan programs designed to meet your unique financial needs.

With competitive rates, excellent customer service, and specialized financing, such as high-net-worth lending, we’ll guide you every step of the way. Plus, with the Griffin Gold app, you can manage your finances, monitor your credit, and easily stay connected with our experienced loan specialists.

Ultimately, Griffin Funding is committed to helping you navigate the mortgage process with ease, so you can secure the best King County home loan for your situation.

Lock in Your Mortgage Rate in King County

Securing a home loan in King County can be an exciting yet complex journey. At Griffin Funding, we simplify the process with personalized service and flexible financing options tailored to your needs.

From government-backed loans to hard money and conventional loans, we offer a range of mortgage solutions to help you every step of the way. Find the best King County home loan and take the first step toward homeownership with confidence. With Griffin Funding, competitive rates and flexible loan programs are within reach. Reach out today to get started!