Blogs
How a Married Couple Bought a Home With 3% Down When One Spouse Had No Credit Score
Can you buy a home with no credit score in Vancouver, WA or Portland, OR? Yes. See how a married couple closed a HomeReady loan with 3% down when one spouse had no score. ...more
Client Success
October 29, 2026
What Credit Score Do I Need to Buy a Home in Vancouver, WA in 2026?
Most Vancouver, WA buyers need about a 620 credit score for conventional or VA, 580 for FHA, and 620 for Washington down payment help. Here's the 2026 breakdown. ...more
Loan Programs
October 22, 2026
How to Get a Lower Mortgage Rate in Vancouver, WA When the National Average Hits 7.40%
Mortgage rates hit 7.40% in October 2026. Here is how Vancouver, WA buyers are still landing lower rates, what a lower rate is worth, and real results from Mitch Tugaw's clients. ...more
Mortgage News
October 09, 2026•5 min read
How a First-Time Buyer Closed on a Non-Warrantable Condo in Portland With 10% Down
A Portland first-time buyer's condo failed conventional and FHA rules because of the HOA. Here's how we closed on a non-warrantable condo with 10% down, and what to check before you make an offer on a... ...more
Client Success
October 02, 2026•7 min read
3 Down Payment Assistance Programs: Portland/Vancouver
Three real down payment assistance programs for first-time buyers in Portland, OR and Vancouver, WA: what each one actually offers, and who qualifies. ...more
Loan Programs
September 25, 2026•5 min read
FHA vs. Conventional in 2026: Which Fits First-Time Buyers in Multnomah County?
FHA or conventional for your first home in Multnomah County? Compare down payments, credit scores, MIP vs. PMI, and 2026 loan limits to see which program actually costs less over time. ...more
Loan Programs
September 11, 2026•4 min read
10 Tips for First-Time Homebuyers
Buying your first home can be both exciting and nerve-wracking at the same time. With so many things to consider and....
How To Choose the Right Lender for You
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Refinancing youe loan and when to do it
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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov
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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov