For brokers looking for a Washington mortgage lender, AD Mortgage is an excellent choice. With over 20 years of experience, we offer a wide range of loan programs and innovative broker technology.
As of August 2026, the average Washington home value was $591,879, representing a 0.3% decrease from the previous year, according to Zillow. Home values differ considerably by location, with markets such as Seattle and King County significantly above the statewide average, while communities in other parts of Washington offer lower price points.
These market differences translate into diverse borrower profiles, including first-time homebuyers, move-up buyers, self-employed borrowers, real estate investors, and clients who may benefit from alternative mortgage solutions.
AD Mortgage works with Washington mortgage brokers across the state, offering a broad selection of loan programs designed to support a variety of borrower profiles and financing scenarios.
AD Mortgage offers a broad range of mortgage programs that can help brokers evaluate both standard agency transactions and more specialized Non-QM scenarios.
An affordable financing option with standard requirements
Qualify homebuyers with limited down payment capabilities
A loan solution for veterans, active-duty service members, and their eligible surviving spouses
Get 50 bps with all Rate Buydowns. Add flexibility with Lender-Paid or Seller-Paid options.
Choose from 1-0, 1-1, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary residences and 2nd homes on 30-Year Fixed Super Prime, Prime, and Fixed Conventional. 
Property taxes are part of a homeowner’s housing costs and vary by assessed value, exemptions, and local tax rates. If an escrow account is required, monthly payments may also include amounts for future property taxes and homeowners insurance.
Closing costs are separate from the down payment and vary based on the loan, property, location, and transaction. Washington-specific transaction costs may include the Real Estate Excise Tax (REET), which the seller usually pays, and an $80 foreclosure prevention fee assessed at closing on most residential mortgage loans, subject to statutory exemptions.
In Washington, eligible borrowers might qualify for assistance, including the following programs:
Disclaimer: Mortgage rates, program availability, property taxes, and closing costs are subject to program requirements and availability. This information is provided for general educational purposes only and is not intended as legal, tax, or financial advice.
24/7 Support for Washington Loan Workflows
The First Integrated Non-QM AUS in Mortgage History
Your Go-to Source for Navigating AD Products and Tools
Streamline the Process with Rapid, State-Compliant Initial Disclosure
Perfect for W-2 and Self-Employed Borrowers
Earn and Redeem Points for Benefits
A Free Platform to Help You Become an Industry Leader
A Washington Loan Calculator to Estimate Payments with Ease
Receive a tailored loan solution in 30 minutes
READY TO CONNECT?
How Do I Choose a Mortgage Lender in Washington State?
Start by confirming the lender’s current company license – for example, AD Mortgage holds #CL-958660 and NMLS #958660. Explore the lender’s loan programs, pricing, underwriting flexibility, turn times, and broker support. A lender with diverse loan options and responsive technology can help you serve a wider range of Washington borrowers.
How Can I Compare Mortgage Rates in Spokane, Washington Today?
Use Quick Pricer to check available mortgage pricing based on the client’s profile and loan scenario. Approved Partners can access Quick Pricer Pro in AIM. This advanced version offers more features and a more personalized pricing experience.
How Can Washington Brokers Check Guidelines and Submit a Loan Scenario?
Washington brokers can use the Quick Pricer for pricing calculations, ADwise for guideline research, and the Scenario Request form for tailored solutions.
Can a Mortgage Broker in Lacey, Washington Work with AD Mortgage?
Yes. AD Mortgage partners with approved mortgage brokers throughout Washington and across the country. Complete our Broker Package to become a partner.
Does AD Mortgage Support Mortgage Financing in Southwest Washington?
Yes. AD Mortgage works with broker partners serving Southwest Washington, including Vancouver, Camas, Washougal, Battle Ground, and nearby communities.
What Credit Score and Down Payment Do I Need for a Washington Mortgage?
There is no universal Washington minimum because credit-score and down-payment requirements vary by program, property, occupancy, loan amount, underwriting findings, and borrower profile. Submit a scenario to see what terms your client can qualify for.
Can Self-Employed Washington Borrowers Qualify Using Bank Statements?
Yes. Eligible self-employed borrowers may qualify for AD Mortgage’s 12- and 24-Month Bank Statement, which offers loan amounts up to $4 million, DTIs up to 55%, and CLTVs up to 90% on eligible purchases.
Can Investors Use a DSCR Loan for a Washington Rental Property?
Yes. AD Mortgage offers Washington real estate investors DSCR loan options that use qualifying property cash flow rather than traditional personal-income documentation.
Are FHA and VA Mortgage Options Available in Washington?
Yes. Explore Government options on the loan program page to see the FHA and VA solutions available.
What Down-Payment Assistance Resources are Available in Washington?
The Washington State Housing Finance Commission offers resources including Home Advantage and related down-payment-assistance information. Visit its current Home Advantage DPA page for program terms, education requirements, funding, and participating-lender availability before proceeding.
How Do County Loan Limits Affect Mortgages in Washington?
County loan limits determine the maximum loan amount eligible for certain conforming mortgage programs. Brokers should check the applicable county limits when structuring a loan, especially for higher-priced properties. If the loan exceeds the conforming limit, other options, such as jumbo financing, may be available.
What Closing Costs and Property Taxes Should Washington Buyers Consider?
Washington buyers should budget for lender, appraisal, title, escrow, recording, and prepaid costs, along with property taxes and homeowners insurance. Washington-specific costs may also include the Real Estate Excise Tax (REET) and a foreclosure prevention fee for most residential mortgage loans.
Is AD Mortgage Licensed to Lend in Washington?
Yes. A&D Mortgage LLC holds Washington Consumer Loan Company License #CL-958660 and NMLS #958660.
How Do Washington Mortgage Brokers Become AD Mortgage Partners?
Washington mortgage brokers can complete the Broker Package to begin the approval process and gain access to AD Mortgage programs, technology, and partner support.
