We compare 20+ wholesale lenders to find competitive bank statement rates in Washington. No credit pull. Pre-approval in 24 hours.
A Washington-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.
Washington's housing market is anchored by the Seattle-Bellevue tech corridor — one of the highest-wage and highest-priced metros in the country. King, Snohomish, and Pierce are designated high-balance counties, expanding conforming limits well above the national baseline.
Here's what you'll typically need.
Provide 12-24 months of personal or business bank statements to verify income through actual deposits and cash flow.
620 minimum typically required. Higher scores unlock better rates and lower down payment options.
Plan for 10-20% of the purchase price, depending on your credit profile and loan amount.
2+ years of documented self-employment history. Business licenses, CPA letters, or other verification.
Lending Arena, NMLS #1603937. Licensed by the Washington State Department of Financial Institutions, Consumer Services Division, as a Consumer Loan Company. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.