Is My Credit Score Good Enough to Buy a House?
Read more
FEDERAL HOUSING ASSISTANCE LOANS
The easiest way for you to purchase a home
Federal Government secured mortgages—FHA loans—make it easy for ALL buyers to purchase a home.
Only one appraisal
Relaxed underwriting guidelines
You don't have to be a first-time home buyer
Use FHA multiple times as long as you don't hold FHA loan
We’ve made it easy for hundreds of Seattle home buyers to get an FHA loan fast
.svg){kind=icon}
Low Down
Buyer Minimum Credit Scores
.svg){kind=icon}
Close in as little as
8 days
Federal Housing Assistance Loans
Federal Housing Assistance Loans (FHA) are government-backed mortgages designed to make homeownership accessible.
With lower down payments and flexible credit requirements, FHA loans are perfect for first-time buyers and those with less-than-perfect credit.
Seattle FHA Loan Products
FHA Prime
Take your purchase to a new level with industry-leading government rates and pricing. This is the obvious choice for the top-tier FHA Seattle Washington home loan client, with less than 5% to put down.
Loan amounts up to $977,500
Up to 96.5% Loan to Value
Non-occupant co-borrowers allowed
Underwrites to AUS findings
Includes Conventional, High Balance and ARMs
FHA Streamline
SMB FHA Streamline programs allow you to refinance your FHA mortgage with no Appriasal or AVM. Time is of the essence- use our quick closing process to secure your rate today.
Loan amounts up to $977,500
Debt ratios accepted up to 55%
Property Inspection Waivers honored
Underwrites to AUS findings
Includes Conventional, High Balance and ARMs
HUD REO
Win in competitive offers. SMB can close your HUD REO in as little as two weeks from submission while allowing hold backs up to $5,000 for escrow repairs!
Loan limits up to $977,500
FFHA ARMs
SMB's aggressive ARM pricing can provide a lower payment for you, which in turn can help purchase a bigger home.
Loans up to 80% LTV
5/1 Treasury ARM available
Quickly and easily price out your loan using our Easy Qualifier (EQ) to determine the best scenario for you
Qualifies at note rate
Loan limits up to $977,500
The Complete 2026 Guide to Buying a Home in Seattle
Read more
5 Ways to Lower Your Monthly Mortgage Payment in 2026
Read more
How to Get the Best Seattle Mortgage Rate in 2026
Read more
How to Buy a House for Less
Read more
How Much Home Can I Buy in Seattle?
Read more
How Much Do You Really Need for a Down Payment in Seattle?
Read more
How Much Home Can I Afford?
Read more
Home Price Forecast for Seattle 2020
Read more
Get Your Jumbo Mortgage Loan In Just 15 days
