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mortgages with mitch

Straight answers on rates, loans, and buying a home β€” written by Mitch Tugaw so you can borrow with confidence.

How a Married Couple Bought a Home With 3% Down When One Spouse Had No Credit Scoreby: Mitch Tugaw

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.

no credit scorenontraditional creditHomeReadyVancouver WAPortland ORfirst-time buyer
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What Credit Score Do I Need to Buy a Home in Vancouver, WA in 2026?by: Mitch Tugaw

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.

credit scoreVancouver WAfirst-time homebuyerVA loanconventional loandown payment assistance
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How to Get a Lower Mortgage Rate in Vancouver, WA When the National Average Hits 7.40%by: Mitch Tugaw

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.

mortgage ratesVancouver WAmortgage brokerClark County
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How a First-Time Buyer Closed on a Non-Warrantable Condo in Portland With 10% Downby: Mitch Tugaw

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 condo.

non-warrantable condocondoportlandmortgageoregon
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