Tri-Cities, Benton County
Kennewick, Pasco and Richland, served by phone, text and video with online pre-approval.
We serve Tri-Cities by phone, text and video from our office in Edmonds, in English or Spanish.
Local numbers
A $430,000 home with 10% down is a $387,000 loan. At today's lowest-cost 30-year fixed, 6.875%, that's about $2,542 a month in principal and interest, before roughly $362 in Benton County property tax and your insurance.
Common questions
On a $430,000 home with 10% down and today's lowest-cost 30-year fixed at 6.875%, principal and interest is about $2,542 a month. Benton County property tax adds roughly $362 a month, plus insurance and, under 20% down, mortgage insurance. The card on this page prices your own numbers.
Yes. The Benton County FHA limit is $524,225, which covers a typical Tri-Cities home with 3.5% down. Today's lowest-cost FHA 30-year is 6.625%. FHA is often the better rate when credit is under 700; above that, conventional usually wins once you compare mortgage insurance.
Usually not. The 2026 conforming limit is $1,209,750, and a typical Tri-Cities purchase lands well under it, so you get agency pricing from every lender we work with.
Yes. For eligible first-time buyers we can arrange assistance covering the 3.5% down payment plus up to 1.5% toward closing costs, up to 5% of the price. Tell the pre-approval you have under 5% saved and it prices the help on your Tri-Cities purchase before anything is promised.
About ten minutes if you have your income and account balances handy. The pre-approval reissues itself at any amount up to your maximum, so you can tailor it to each offer. If a listing agent wants to speak with the lender, that's a licensed originator, by phone, the same day.
