Mortgage Broker in Tri-Cities, WA

Some addresses in and around Pasco may qualify for USDA rural development loans, particularly on the outskirts of the city and in Franklin County. USDA eligibility is checked at the individual property address level, not the city name. Chris can run your specific address against USDA maps instantly. If eligible, USDA offers 0% down and competitive interest rates for buyers within income limits.

FHA loans are available with a 580+ credit score (3.5% down) or 500-579 (10% down). Conventional loans require 620+, with the best rates starting at 740. VA loans for veterans have no official minimum through most lenders, though Beeline typically works with scores 580+. USDA loans generally require 640+. If you are below these thresholds, Chris can outline a specific path to get you qualified.

Yes. Washington State Housing Finance Commission (WSHFC) offers down payment assistance programs for first-time buyers in Benton and Franklin counties, which cover Kennewick, Richland, and Pasco. The Home Advantage and House Key programs provide down payment loans or grants for eligible buyers. Income and purchase price limits apply. Chris determines eligibility for each borrower based on their specific file.

Richland typically commands the highest median prices (~$400,000 in 2026) due to its proximity to Hanford Site employment and well-established neighborhoods. Kennewick sits in the middle (~$350,000) as the commercial hub with broader inventory. Pasco is the most affordable (~$330,000) and is growing rapidly, making it the strongest market for first-time buyers and families seeking value in the Tri-Cities. All three cities are served by Beeline Mortgage with the same speed and lender access.

The 2026 FHA loan limit in both Benton County (Kennewick, Richland) and Franklin County (Pasco) is $524,225 for a single-family home. With the Tri-Cities median well below that threshold, FHA loans are broadly accessible for buyers across all three cities, including those with lower down payments and credit scores in the 580+ range.

Yes. VA loans are available to eligible veterans and active-duty service members buying in Kennewick, Richland, and Pasco. VA financing offers 0% down and no private mortgage insurance, which is one of the most powerful loan programs available. The Tri-Cities has a solid veteran community, and Chris handles VA loans across Benton and Franklin counties with no geographic restrictions in Washington State.

Yes. Bank statement loan programs are designed for self-employed buyers, business owners, and 1099 earners. Rather than using tax returns (which often show lower income due to write-offs), these programs qualify you on 12-24 months of bank deposits. Agricultural and small business owners are a significant part of the Tri-Cities economy, making bank statement loans relevant here. Chris works with multiple lenders offering these programs.

That depends on your current rate, remaining loan balance, and how long you plan to stay in the home. As a broker, Chris can shop your refinance across many lenders to find the most competitive rate rather than being limited to one bank's offerings. If you bought in the last 2-3 years and rates have shifted in your favor, a rate-and-term refinance may reduce your monthly payment significantly. A cash-out refinance may also make sense if you have equity and a specific use for the funds.

The process starts with a short conversation or application where Chris reviews your goals, income, credit, and down payment. From there he identifies the loan types you qualify for and shops them across many lenders to find the most competitive rate and terms. You will receive a written loan estimate for comparison before any commitment. The process is fully digital and can be completed by phone, email, or text. Most pre-approvals are completed in 1-2 business days.