NMHL Mortgage Lending
Mortgage Lender in Kent, WA
Local expertise and competitive rates for Kent homebuyers.
Kent, Washington is experiencing a dynamic housing market, with a median home price of around $430,000 according to recent estimates. As a borrower looking to navigate this market, you'll want to partner with a lender who understands the local landscape. At National Mortgage Home Loans (NMHL), we're committed to helping Kent residents achieve their homeownership goals, whether you're a first-time buyer or an experienced homeowner looking to refinance.
Our team is well-versed in the Kent real estate market, from the popular neighborhoods of Covington and Maple Valley to the local economic trends that impact housing prices. With NMHL, you'll have access to a range of mortgage options, including FHA, VA, and conventional loans, as well as specialized programs for self-employed borrowers and those with less-than-perfect credit.
As you explore your mortgage options in Kent, we'll guide you through the process with personalized service and competitive rates. Our goal is to help you secure the right loan for your needs, whether you're looking to purchase a new home or refinance an existing one.
Kent Housing Market Overview
Explore mortgage options in Kent, WA with NMHL. Our local expertise helps you navigate the Kent 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 Kent
Explore mortgage options tailored to Kent 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
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Kent's Thriving Housing Market
The Kent housing market is experiencing steady growth, with a mix of new construction and existing homes available. Popular neighborhoods like Downtown Kent and Covington offer a range of housing options, from apartments to single-family homes. As a borrower, you'll want to stay informed about local market trends and how they impact your mortgage options.
- Median home price: around $430,000
- Average days on market: 30-60 days
- Inventory levels: moderate, with a mix of new construction and existing homes
Stay ahead of the curve with NMHL's local market expertise. Contact us to discuss your mortgage options in Kent.
Mortgage Options for Kent Borrowers
At NMHL, we offer a range of mortgage options to suit different needs and financial situations. Whether you're a first-time homebuyer or an experienced homeowner, we'll help you find the right loan for your goals.
- FHA loans with as little as 3.5% down
- VA loans for eligible veterans and service members
- Conventional loans with competitive rates and terms
- Specialized loan programs for self-employed borrowers and those with less-than-perfect credit
Get pre-approved with NMHL today and take the first step toward homeownership in Kent.
Down Payment Assistance in Kent, WA
Down payment assistance programs can help make homeownership more accessible in Kent. NMHL offers a range of options, including the Washington State Home Advantage program, which provides up to 4% in assistance. Our team can help you explore these options and determine the best fit for your situation.
Some popular down payment assistance programs in Kent include:
- Washington State Home Advantage program
- FHA down payment assistance
- VA loan guarantees
Don't let down payment costs hold you back. Contact NMHL to explore your down payment assistance options in Kent.
School Districts and Home Values in Kent
The Kent School District is highly rated, with several schools earning top marks from the state. As a homeowner, you'll want to consider the impact of local school districts on your property values. In Kent, highly rated schools can increase property values and attract families to the area.
Some top-rated schools in Kent include:
- Kentridge High School
- Kentlake High School
- Meridian High School
Investing in a home in Kent means investing in a top-notch education. Contact NMHL to discuss your mortgage options.
Frequently Asked Questions
Mortgage rates in Kent 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 loan. Contact us for a personalized rate quote and to discuss your mortgage options.
As a first-time homebuyer in Kent, you may be eligible for programs like the Washington State Home Advantage program, which offers up to 4% in down payment assistance. NMHL also offers FHA loans with as little as 3.5% down. Our team can help you explore these options and determine the best fit for your situation.
Property taxes in Kent are based on the assessed value of your home, with a combined rate of around 0.7% to 0.8% of the home's value. This includes state, county, and local taxes. As a homeowner, you'll want to factor these costs into your budget. NMHL can help you understand how property taxes impact your mortgage payments.
Kent has a range of desirable neighborhoods, including Downtown Kent, Covington, and Maple Valley. Each area has its own character and advantages, from walkable downtown areas to family-friendly suburban neighborhoods. Our team is familiar with these neighborhoods and can help you find the right fit for your lifestyle and budget.
While bad credit can make it more challenging to secure a mortgage, it's not impossible. NMHL offers specialized loan programs for borrowers with less-than-perfect credit, including FHA loans and subprime mortgage options. Our team will work with you to explore your options and determine the best course of action.
Kent residents may be eligible for down payment assistance programs like the Washington State Home Advantage program, which offers up to 4% in assistance. NMHL also offers other down payment assistance options, including FHA and VA loans with low or no down payment requirements. Our team can help you explore these options and determine the best fit for your situation.
Related Resources
Ready to Buy in Kent?
Let NMHL help you navigate the Kent housing market with expert guidance and competitive rates.