NMHL Mortgage Lending
Mortgage Lender in Everett, WA
Local expertise and competitive rates for Everett homebuyers.
Everett Housing Market Overview
Explore mortgage options in Everett, WA with NMHL. Our local expertise helps you navigate the Everett real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Everett
Explore mortgage options tailored to Everett homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
Learn MoreWhat Our Clients Say
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Everett's Thriving Housing Market
The Everett housing market is characterized by a mix of older and newer homes, with a range of architectural styles and price points. According to recent data, the median home price in Everett is around $430,000, with homes typically selling within 20-30 days of listing. Neighborhoods like the Historic District and Downtown Everett are particularly popular, offering a blend of charm, character, and convenience.
Some of the key factors driving the Everett housing market include:
- A strong local economy, with major employers like Boeing and the Naval Station Everett
- A growing population, with a mix of young professionals, families, and retirees
- A relatively affordable cost of living, compared to other parts of the Seattle metropolitan area
Get pre-approved for a mortgage with NMHL and take advantage of the current market conditions in Everett.
Mortgage Options for Everett Borrowers
At NMHL, we offer a range of mortgage programs tailored to the needs of Everett borrowers. Our loan options include:
- FHA loans with as little as 3.5% down
- VA loans for eligible veterans, with $0 down and competitive interest rates
- Conventional loans with flexible credit score requirements and competitive rates
- Jumbo loans for higher-priced homes, with customized financing solutions
Our experienced loan officers can help you navigate the mortgage process and find the best loan option for your situation.
Contact NMHL today to explore your mortgage options and get pre-approved for a loan that fits your needs.
Down Payment Assistance in Everett, WA
One of the biggest hurdles for many homebuyers is saving for a down payment. Fortunately, there are down payment assistance programs available in Everett to help. NMHL offers several options, including:
- The Washington State Housing Finance Commission's Home Advantage program, which provides up to 4% of the home's purchase price in down payment assistance
- The City of Everett's down payment assistance program, which offers up to $10,000 in assistance for eligible homebuyers
Our loan officers can help you determine which down payment assistance programs you're eligible for and guide you through the application process.
Don't let down payment costs hold you back from achieving your homeownership goals. Explore your options with NMHL today.
School Districts and Home Values in Everett
The Everett School District is highly regarded, with several schools in the district receiving top ratings from the state. A strong school district can have a positive impact on home values, as families are willing to pay a premium to live in areas with good schools. Some of the top-rated schools in the district include Everett High School, Cassidy Hill Elementary, and Silver Firs Elementary.
When considering a home purchase in Everett, be sure to research the local schools and factor their quality into your decision-making process.
NMHL can help you navigate the mortgage process and find a home in a great school district.
Frequently Asked Questions
Mortgage rates in Everett vary depending on the type of loan and your individual financial situation. At NMHL, we're currently offering competitive rates starting at 6.5% APR for a 30-year fixed conventional loan. Contact us for a personalized rate quote and to discuss your mortgage options.
NMHL offers a range of mortgage programs tailored to first-time homebuyers in Everett, including FHA loans with as little as 3.5% down and VA loans for eligible veterans. We also offer down payment assistance programs to help with the upfront costs of purchasing a home.
Property taxes in Everett are assessed by Snohomish County and are based on the value of your home. The average effective property tax rate in Everett is around 0.7%, which is relatively low compared to other parts of the country. NMHL can help you factor property taxes into your mortgage calculations and explore options for reducing your tax burden.
While bad credit can make it more challenging to qualify for a mortgage, NMHL offers specialized loan programs for borrowers with less-than-perfect credit. We consider a range of factors beyond just credit score, including income, employment history, and debt-to-income ratio. Contact us to discuss your options and get pre-approved for a mortgage that fits your needs.
Some of the most sought-after neighborhoods in Everett include the Historic District, Downtown Everett, and the Riverside area. These neighborhoods offer a mix of older and newer homes, as well as proximity to amenities like parks, schools, and shopping centers. NMHL can help you explore mortgage options for homes in these and other Everett neighborhoods.
NMHL offers down payment assistance programs through the Washington State Housing Finance Commission, including the Home Advantage program. To qualify, you'll need to meet income limits and complete a homebuyer education course. We can guide you through the application process and help you determine the best down payment assistance options for your situation.
Related Resources
Ready to Buy in Everett?
Let NMHL help you navigate the Everett housing market with expert guidance and competitive rates.