Welcome to the vibrant housing market of Des Moines, Washington! As of 2025, the average home price here hovers around $540,000. However, securing your dream home is a competitive affair; homes in our market have been known to go pending in mere days, thanks to bidding wars spurred by our city's economic vitality. The neighborhoods of North Hill and Marina District are particularly sought after, brimming with potential and charm. Our city is home to major employers such as Highline College and the Port of Seattle, which continually attract a steady wave of ambitious homebuyers. Given these dynamics, finding a mortgage lender who understands the pulse of Des Moines is of paramount importance. It could make the difference between outbidding a competitor or losing out on your dream home. Get a head start on your home buying journey by getting pre-approved. By understanding your mortgage options early on, and working with a local lender who knows every corner of Des Moines - from Woodmont to Zenith - you’ll be well-prepared for what can be a fast-moving and competitive house-hunting experience. Let us help you navigate these exciting waters in the quest for your new home.

When choosing a mortgage lender in Des-Moines, consider interest rates, loan programs, customer service, and experience with the local market. Comparing several lenders can help you find the best fit for your financial goals and timeline.

What’s the difference between a broker and a lender?

A mortgage broker in Des-Moines works with multiple lenders to help you find the best rates and terms, while a lender provides the loan directly. Depending on your situation, one may offer better flexibility or lower costs in theWashington housing market.

How long does it take to close on a mortgage in Des Moines, Washington?

The average closing time in Washington is 30 to 45 days, though it can be faster with pre-approval and all documents in order. Working with an experienced lender can help speed up the process and avoid delays.

What do I need to get pre-approved for a mortgage in Des-Moines, Washington?

To get pre-approved in Washington, you’ll need income verification, credit history, bank statements, and employment details. A lender will use this to estimate how much you can borrow and what rates you may qualify for.

What credit score do I need to get a mortgage in Washington?

Most lenders look for a minimum credit score of around 620 for conventional loans, though FHA loans may allow lower scores. A higher score can help you secure a better rate from local lenders in Washington.