Mortgage Refinance · Washington · NMLS #1603937

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When do you want to close?

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Estimated property value

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$450,000

$100K $1M $2M $3M+

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Mortgage Refinance in Washington

What Washington buyers need to know

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.

Conforming limit (2026)

$806,500 ($1,209,750 in King, Pierce, Snohomish counties)

Top markets

Seattle · Spokane · Tacoma

Qualification Guide

Refinance Eligibility in Washington

Standards vary by refi type.

Equity

5-20%

Rate-and-term: typically 5%+ equity. Cash-out: 20%+ equity required to pull cash out. FHA streamline: minimal equity requirement.

Credit Score

620+

Conventional refi: 620+. FHA streamline: 580+. VA IRRRL: no minimum (lender-dependent).

Debt-to-Income

45% or Less

Most refinance programs cap DTI around 43-45%. Streamline programs can be more flexible.

Seasoning

6-12 Months

Most refis require 6-12 months of payment history on the existing loan, depending on program.

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.