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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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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.

FHA vs conventional loan Multnomah Countyconventional loanfirst-time home buyer Portland OregonFHA loan requirements 2026conventional loan down payment 2026
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How a Self-Employed Contractor Bought 4.5 Acres Near Portland With a Conventional Loanby: Mitch Tugaw

"Self-employed contractor. Two loan paths, one $40K repair curveball. See how a conventional loan beat a bank statement loan for this Portland-area buyer.

self employedmortgageportlandoregonconventional loan
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