NMHL Mortgage Lending
Mortgage Lender in Vancouver, WA
Local expertise and competitive rates for Vancouver homebuyers.
Vancouver Housing Market Overview
Vancouver, WA sits across the Columbia River from Portland, OR, offering no state income tax with Portland metro amenities. This tax advantage, combined with lower prices and rapid development, has made it one of the fastest-growing cities in the Pacific Northwest.
Vancouver Neighborhoods
Popular areas for homebuyers in Vancouver, WA
ZIP Codes We Serve in Vancouver
Mortgage lending available in these Vancouver ZIP codes
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 Vancouver
Explore mortgage options tailored to Vancouver 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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Our Presence
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Understanding Vancouver's Housing Market
Vancouver's housing market is characterized by steady growth, driven by its proximity to Portland and the absence of state income tax. The median home price is $460,000, with homes in desirable neighborhoods like Downtown Vancouver and Salmon Creek commanding higher prices.
The local market is also seeing an increase in new constructions, offering buyers a range of options from modern homes to established properties.
Stay ahead of the competition by getting pre-approved for a mortgage with NMHL today.
NMHL Mortgage Programs for Vancouver Borrowers
At NMHL, we offer a range of mortgage programs tailored to the needs of Vancouver borrowers. Our 'First-Time Buyer' program provides competitive interest rates and reduced mortgage insurance premiums. We also offer specialized programs for self-employed individuals, veterans, and those with bad credit.
- Low down payment options: 3.5% down with FHA loans
- Competitive interest rates: as low as 6.5% APR
- Flexible credit scoring: consider alternative credit data
Discover how NMHL's mortgage programs can help you achieve your homeownership goals in Vancouver.
Down Payment Assistance in Vancouver
Down payment assistance programs can be a valuable resource for Vancouver homebuyers. NMHL partners with the Washington State Housing Finance Commission to offer down payment assistance programs, including the 'Home Advantage' program.
These programs can provide up to 4% of the home's purchase price in down payment assistance, helping to reduce the upfront costs associated with buying a home.
Explore your down payment assistance options with NMHL today.
Getting Started with NMHL
The first step towards homeownership in Vancouver is getting pre-approved for a mortgage. NMHL's online application makes it easy to get started. Our experienced loan officers will guide you through the process, from pre-approval to closing.
By choosing NMHL, you'll benefit from our expertise in serving underserved populations and our commitment to providing personalized service.
Start your mortgage journey with NMHL today and take the first step towards owning your dream home in Vancouver.
Frequently Asked Questions
The average property tax rate in Vancouver is 0.92%. This rate is relatively competitive compared to other areas in Washington state. Homebuyers should factor this into their overall cost calculations when considering a mortgage.
Yes, Washington state offers several down payment assistance programs for first-time homebuyers. NMHL's 'Home Advantage' program provides up to 4% of the home's purchase price in down payment assistance. Additionally, the Washington State Housing Finance Commission's 'Home Advantage' program offers similar benefits. These programs can be combined with NMHL's mortgage products to help make homeownership more accessible.
Vancouver is served by several highly-rated school districts, including Vancouver Public Schools and Evergreen Public Schools. Homes located within top-performing school districts tend to appreciate in value over time. Families should research local school districts when considering neighborhoods to purchase a home.
Yes, NMHL offers mortgage pre-approval options for borrowers with less-than-perfect credit. Our 'Credit Rebuilder' program is designed to help borrowers improve their credit scores while working towards homeownership. With a minimum credit score requirement of 580, we can help you explore available mortgage options.
Some of Vancouver's most sought-after neighborhoods include Downtown Vancouver, Felida, Salmon Creek, and Cascade Park. These areas offer a mix of housing types, from new constructions to established homes, and provide access to local amenities and schools.
NMHL's mortgage pre-approval process typically takes 24-48 hours. Our online application is designed to be user-friendly, and our experienced loan officers are available to guide you through the process. By getting pre-approved, you'll have a clearer understanding of your budget and can make a more competitive offer when you find your dream home.
Related Resources
Ready to Buy in Vancouver?
Let NMHL help you navigate the Vancouver housing market with expert guidance and competitive rates.