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Federal Housing Assistance (FHA) Loan Products Washington

Federal Government secured mortgages—FHA loans—make it easy for ALL buyers to purchase a home.

We've helped hundreds of Washington residents obtain the right home loan for over 15 years.

  • Only one appraisal
  • Relaxed underwriting guidelines
FHA Loan Seattle Washington

FHA Loan Options

FHA Prime

Take your purchase to a new level with industry-leading government rates and pricing. This is the obvious choice for the top-tier FHA Seattle Washington home loan client, with less than 5% to put down.

  • Loan amounts up to $977,500
  • Up to 96.5% Loan to Value
  • Non-occupant co-borrowers allowed
  • Underwrites to AUS findings
  • Includes Conventional, High Balance and ARMs

FHA Streamline

SMB FHA Streamline programs allow you to refinance your FHA mortgage with no Appriasal or AVM. Time is of the essence- use our quick closing process to secure your rate today.

  • Loan amounts up to $977,500
  • Debt ratios accepted up to 55%
  • Property Inspection Waivers honored
  • Underwrites to AUS findings 
  • Includes Conventional, High Balance and ARMs


Win in competitive offers. SMB can close your HUD REO in as little as two weeks from submission while allowing hold backs up to $5,000 for escrow repairs!

  • Loan limits up to $977,500


SMB's aggressive ARM pricing can provide a lower payment for you, which in turn can help purchase a bigger home. 

  • 5/1 Treasury ARM available
  • Quickly and easily price out your loan using our Easy Qualifier (EQ) to determine the best scenario for you
  • Qualifies at note rate
  • Loan limits up to $977,500

YOUNITED Lending With a Purpose

Lending With a Purpose is more than a tagline; It’s what drives us to be our best. At SMB we understand each mortgage we provide helps a family locally but also has the ability to provide sustainable, salubrious economic opportunity to those most in need.

“I alone cannot change the world, but I can cast a stone across the waters to create many ripples.”
-Mother Teresa