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mortgages with mitch

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

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.

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3 Down Payment Assistance Programs: Portland/Vancouverby: Mitch Tugaw

Three real down payment assistance programs for first-time buyers in Portland, OR and Vancouver, WA: what each one actually offers, and who qualifies.

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FHA vs. Conventional in 2026: Which Fits First-Time Buyers in Multnomah County?by: Mitch Tugaw

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.

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How Much House Can You Afford With a VA Loan in Portland?by: Mitch Tugaw

Portland's median home price is $535K. See how much house a VA loan can actually get you, with $0 down and no loan-limit cap for most veterans.

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