Buying a Home with Restricted Stock Units
![](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3815f94d7b7164f724_Using-Restricted-Stock-Units-to-Buy-a-Seattle-Home.jpeg)
Get this: over 40% of Fortune 100 companies have been using restricted stock units (RSU) since 2005. What does this mean?
If you're working at a technology company in Seattle, chances are that you have some RSU income to burn as well.
Are you in the market for a new house? Luckily for you, your RSU can actually help you qualify for a loan.
Read on to find out about using restricted stock units to help you buy a home!
What is a Restricted Stock Unit?
What is a restricted stock unit? We're glad that you asked. In a nutshell, restricted stock is a special type of stock with unique restrictions on how it's received and distributed.
For those that are scratching their heads, it's not really as confusing as it seems. Let us explain: just like a regular stock plan, you can get your hands on restricted stock when it's given to you by your employer. When it comes to traditional stock options versus RSU, restricted stock options do not have a standard exercise feature.
Why is this so important? That's because restricted stock units are kept by your company until they have finished their vesting schedule. At that point, your restricted stock units will gain “full-value grant" status - meaning that your shares will contain the full amount of company stock you were given at the time it was granted to you.
If you've ever had a traditional non-qualified plan with your employer before, then you probably already know that restricted stock units are pretty much the same thing. Pro tip: you should know that there is a potential risk of losing your stocks too.
But don't worry, that'll only happen if your stocks aren't able to meet the needs of the vesting schedule. Expect to give your money back to your employer if that's the case.
What exactly is a vesting schedule? Essentially, it's a list of requirements that you have to meet to receive your share of RSU stocks. Typically, there are several kinds of vesting requirements that you need to meet, including:
- Working at your company for anywhere between three to five years
- Meeting specific company goals like marketing a new product or meeting quota
- Signing up for accelerated vesting in case your company goes bankrupt
Qualifying for a Loan
You might be wondering: how can I use my restricted stock units to qualify for a loan? We got your back. For starters, you have to choose a loan that will actually let you apply your restricted stock units toward it.
In case you didn't know, there are a couple of different kinds of loans that you can choose from. As a matter of fact, the most popular loan programs that you might qualify for are called "Choice" and "Select."
While the details may vary, the guidelines between each loan program are generally the same. Here are a few rules that your restricted stock units have to follow no matter which lender you go with:
- You can only use your restricted stock units to qualify for a loan if you've received a consistent income for at least two years, proven by W-2s and pay stubs.
- Your vesting schedule must prove that your income will continue for at least three years at a similar rate of the last two years, which is also proven by W-2s and pay stubs.
- You can calculate the average amount of income you've received from restricted stock units over the last two years.
But wait - there's more. If you're trying to apply for a loan that accepts restricted stock units, you also have to make sure that:
- Your continuance is based upon your vesting schedule using the stock price for the last year.
- Your qualifying income can be supported by future vesting using the same stock price that was utilized to qualify for your loan.
- Your vested restricted stock units haven't been used for reserves yet.
Met all of your above requirements? Congratulations. Now, it's time to break down the lingo that you need to know before filling out your loan application!
Breaking Down the Lingo
Can we be totally honest with you? The hardest part about filling out a home loan application is breaking down the lingo. So, that's why we thought that it would be a great idea to give you a head start in the "financial terms" department.
We've already talked about restricted stock units, but did you know that there are two types of vesting schedules, including:
- Graded vesting schedules
- Cliff vesting schedules
What's the real deal with graded vesting schedules? First things first, graded vesting schedules are designed to give you a specific amount of your total stock to vest every year.
For instance, if you're given 4,000 stocks on June 1, 2018 with a vesting period of four years, you can expect to vest 25% every year. Sounds simple enough, right? Now that you’ve got that, let's move onto cliff vesting schedules.
To keep it simple, you know if you have a cliff vesting schedule if you get 100% of your RSU stocks at the same time, like when you've met the employment tenure or performance goal requirement. Besides the time frame, cliff vesting schedules and graded vesting schedules are very similarly structured.
On the hunt for a mortgage lender in Seattle? We can't emphasize this enough: it doesn't hurt to ask your real estate agent for recommendations first!
Filing Taxes on Restricted Stock Units
Here comes the fun part: filing taxes on restricted stock units. If you're not oozing with excitement already, you should be. All jokes aside, we've got to admit that restricted stock units are technically considered as a form of income.
That being said, you're going to need to file taxes on your restricted stock units just like any other American taxpayer generating income. In other words, your income will be taxed at the market value of your stocks when they've been vested.
According to the graded vesting schedule example that we used above, that means that you would be taxed for $20,000 in the first year, $25,000 for year two, and so on. Of course, your vested restricted stock units will be shown on your W-2, tax return, and your paycheck too.
Meanwhile, those that are already on a cliff vesting schedule should expect to receive all of their stocks at the exact same time. Instead of being taxed over a period of several years, you'll be taxed all at once. Similar to graded vesting schedules, your vesting will appear on one W-2 and one paycheck!
Choosing a Streamlined Method
Has your corporation given you more than a few options to choose from? While it's easy to get overwhelmed by all of your choices, we suggest that you choose a streamlined method. All you have to do is give a share of your vested stock back to your employer.
In that way, your company will be able to take care of the taxes on your restricted tax units for you. How so? By putting the money that you gave them into a net-settlement program that will handle your organization's payroll tax deposit.
Here's another word of advice: if you're planning to sell your restricted stock units in the future, then you should be prepared to pay something called "capital gains tax." This is based on any increase in the value of your shares from the time they were originally given to you.
For example, if your original restricted stock units were valued at $25 per share at the time of vesting, you could potentially sell 1,000 shares at $30 per unit one year later. If that's the case, then you'll eventually have to pay a capital gains tax on your $30,000 profit margin.
Curious about how much money you need to buy a home? We highly recommend that you research everything you need to know about down payments before you place a bid!
Buy Your Home With Restricted Stock Units
Question: if your company has given you restricted stock units, why not use them to buy your home? For potential homeowners in the Seattle area, there's no better time than now to buy a house. With our guidance, qualifying for a loan should be a breeze.
So go ahead - get a free instant quote on your home loan in minutes.
Check out our frequently asked questions or contact us for a quick consultation.
Happy home buying!
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/6655f48873761e595c0f7e1d_10-Common-First-Time-Home-Buyer-Questions.jpeg)
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/6655f2b96fc405ce6e11d114_What-Is-A-Non-Warrantable-Condo-Heres-What-You-Need-to-Know-Blog.jpeg)
What is a Non-Warrantable Condo?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66559ed32617c9a0e0da41e5_0524_Thumb_YT.jpeg)
Ultimate Seattle Mortgage Loan Documents Checklist
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d47f40c1dedf181c5af_The-Complete-Guide-to-Seattle-Property-Tax.jpeg)
Your Complete Guide to Seattle Property Tax
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d477083b275608640d1_Why-work-with-a-mortgage-broker.jpeg)
Why You Should Work with a Mortgage Broker
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d464ee3002012287a86_Where-to-Find-the-Best-Local-Mortgage-Broker-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
Where to Find the Best Local Mortgage Broker
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4643515d1219869d64_6_NicestNeighborhoods_HorizThumb.png)
Where Are The Best Places To Live In Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4667b51df3d935bbe6_The-best-way-to-save-for-seattle-house-1.jpeg)
What’s the Best Way to Save Money for a House in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4667b51df3d935bbea_When-is-the-Best-Time-to-Refinance-a-Mortgage-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
When is the Best Time to Refinance a Home?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d46f3e68c1c1a2f0f78_What-is-the-Seattle-Jumbo-Loan-Limit-in-2020-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
What is the Jumbo Loan Limit in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d465e3b820355881887_Buy-a-Seattle-Washington-House.jpeg)
What You Need to Buy a House in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d44a310ec640643b230_YT_Thumb_0830.jpeg)
What Is a Jumbo Loan and will you need one when moving to Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/6675b2891d12351a45433f8b_GKDywk-H1Lc-HD.jpg)
What is the Jumbo Loan Limit in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4591499e97f2e3905e_3_NonWarrantableCondo_YT-Thumb_SMB.jpeg)
What Is A Non-Warrantable Condo?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d448bda65177589896f_0816_YT_Thumb.jpeg)
What is the Best Down Payment Amount on a House in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4450bb0c5dfd497090_0322_PMI_Thumb_YT.jpeg)
What is PMI Mortgage Insurance? And Why It Is Not As Bad As You Think
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d44ad80e0950646eb02_0621_Thumb_YT.jpeg)
What Is A Cash-Out Refinance?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d44e8ba4222fc954245_What-Does-A-Seattle-Mortgage-Lender-Look-At-When-Qualifying.jpeg)
What do Home Loan Underwriters Look For?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d445317066f314600fb_How-Much-Downpayment-Do-I-Need-for-a-Seattle-House-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
What Down Payment Do I Need for a House?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d43620e29e6b28bcbe6_What-Are-The-Costs-Involved-With-Buying-a-Seattle-Home_.jpeg)
What Are The Costs of Buying a Home?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d43fd8e44277ebe6829_0426_Thumb_YT.jpeg)
What Are The Best Neighborhoods In Seattle For Families?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d43f40c1dedf181c2af_0412_YT_Thumb.jpeg)
FAQ: What Are the VA Home Loan Requirements?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d437937a1f1fc5f3a71_WSeattle_Junction_Thumb_YT.jpeg)
WEST SEATTLE JUNCTION ; Seattle Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d436b608eebb7a11d50_What-Does-RSU-Stand-for-and-How-to-Get-a-Mortgage-With-Them-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
What are RSUs and How to Spend Them
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4367b51df3d935b9aa_How-Much-Money-Do-You-Need-To-Buy-A-Home-.jpeg)
Understanding Mortgage Down Payments
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d427937a1f1fc5f39ed_0201_Top_5_Seattle_Suburbs_to_Buy_in_2021.jpeg)
Top 5 Seattle Suburbs to Buy In 2021
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d42f15328ed18e3c5b4_How-much-do-you-need-to-buy-a-house.jpeg)
Understanding Down Payments in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d428bda651775898809_The-Ultimate-Mortgage-Loan-Documents-Checklist-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-2.jpeg)
The Ultimate Mortgage Document Checklist
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d425317066f31460041_Top-10-Questions-to-Ask-Mortgage-Broker.jpeg)
Top 10 Mortgage Questions You Should Ask Your Broker
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d420e95638dc63d04c6_Worst-First-Time-Home-Buyer-mistakes.jpeg)
The Worst First-Time Homebuyer Mistakes
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d42933e4f4c1b12009e_Top-5-to-Buy-in-Seattle-Suburbs-for-2020-Blog-Seattles-Mortgage-Broker-Joe-Tafolla.png)
The Top 5 Seattle Suburbs for 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d41ad80e0950646e6f4_How-to-Choose-the-Right-Neighborhood-When-Buying-a-Seattle-Home-Image.jpeg)
The Best Seattle Neighborhoods in 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d417dc37ac55ff9d2d6_The-Best-Refinancing-Mortgage-Companies-Seattle-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
The Best Refinancing Companies in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d410e95638dc63d0411_Which-are-the-Best-Seattle-Neighborhoods-for-Families-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
The Best Seattle Neighborhoods for Families
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d41ad9c2287405275c3_How-to-Choose-the-Right-Seattle-Neighborhood-When-Buying-a-House-.jpeg)
The Best Neighborhoods in Seattle to Buy a Home
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4150bb0c5dfd496ee8_The-7-Best-Seattle-Suburbs-for-Families-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
The 7 Best Seattle Suburbs for Families
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d414ee3002012287831_10-Cheapest-Places-to-Live-in-Seattle-Washington.jpeg)
The 10 Cheapest Places to Live in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4022a3b10d7e7c60ff_SLU_Tour_Thumb.jpeg)
SOUTH LAKE UNION ; Seattle Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d406254c02e450a40ed_Seattle-Summer-Housing-Marketing-Guide-2020-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-2.jpeg)
Seattle Summer Housing Market Guide 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d407083b27560863d58_Seattle-Housing-Market-Update-2020-blog.jpeg)
Seattle Housing Market Update 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d40e8ba4222fc954092_How-to-Hack-the-Seattle-Housing-Market-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
Seattle Housing Market Hacks
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4043515d1219869b4e_How-To-Save-Money-When-Buying-A-House.jpeg)
Save Money When Buying a House in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3f81c4587e5ccb3df7_How-to-Save-Money-on-Your-Seattle-Mortgage-Refinance.jpeg)
Save Money on Your Mortgage Refinance
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d4081584fc91730668e_0719_YT_Thumb.jpeg)
Moving to Seattle with a Family? Here's the BEST Suburbs For You!
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3f48ab9e1551d56905_0222_Refinancing_Thumb_YT.jpeg)
Refinancing To Reduce Your Bills and Increase Available Cash
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3f0e95638dc63d014b_The-Best-Neighborhoods-in-Seattle-to-Buy-a-House-2020-Blog-Seattles-Mortgage-Broker-Joe-Tafolla.jpeg)
Neighborhoods in Seattle to Buy a Home 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3fb539d07c1faed941_Real-Estate-Trends-in-Seattle-Happening-Right-Now-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.png)
Real Estate Trends in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3f7d72fa40dd50bdea_Seattle-Mortgage-Down-Payment-How-Much-to-Buy-a-Home-Blog-Seattles-Mortgage-Broker-Joe-Tafolla.png)
Mortgage Down Payments in Seattle
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3fad9c228740527404_Magnolia_Tour_Thumb_YT-scaled.jpeg)
MAGNOLIA ; Seattle Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3f933e4f4c1b11fd4d_Mistakes-to-Avoid-with-Cash-Out-Refinance-.jpeg)
Mistakes to Avoid with Cash-Out Refinance
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3eedf9570fc43f8be4_SMB-Blog-Banner-How-to-Refinance-Your-Home-in-9-Steps.png)
How to Refinance Your Home in 9 Steps
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3ee8ba4222fc95400c_0125_Jumbo_Loan_vs_Conforming_Loan_Limits_in_Seattle_for_2021_Thumb.jpeg)
Jumbo Loan Limit vs Conforming Loan Limit in Seattle for 2021
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3ead80e0950646e552_Kirkland-1.jpeg)
KIRKLAND ; Seattle Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3e5527b858f8e9de73_Mountain_Scape.jpeg)
Jumbo Loan Limit in Seattle for 2021
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3ead9c2287405273cb_Issaquah_Tour_Thumb.jpeg)
ISSAQUAH ; Seattle Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3eff5c9af6084ae2e0_Credit-Score-Seattle-Washington-Home.jpeg)
Is My Credit Score Good Enough to Buy a House?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3dedf9570fc43f8b18_HowToBuyAHouse.jpeg)
How to Buy a House; Home Buying 101
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3dcdce9608e268c68c_Lower-Monthly-Mortgage-Payment.jpeg)
How to Lower Your Monthly Mortgage Payment
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3d7dc37ac55ff9d14e_How-to-Get-the-Best-Rate-for-Your-Home-LoanBlog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
How to Get the Best Rate for Your Home Loan
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3d1ab453ec2bdeee84_Seattle-Home-Buying-101-How-to-Buy-a-House-for-Less-Blog-1.jpeg)
How to Buy a House for Less
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3dff5c9af6084ae293_How-Much-Seattle-Home-Can-I-Buy.jpeg)
How Much Home Can I Buy in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3c6b608eebb7a119b5_Blog-banner-Option3.png)
How Much Down Payment Do I Need to Buy a House in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3c0e95638dc63cffed_How-Much-Home-Can-I-Afford-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
How Much Home Can I Afford?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3c9e55e150cbc7aa68_Seattle-Home-Prices-Forecast.jpeg)
Home Price Forecast for Seattle 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3c7d72fa40dd50bc12_How-Hot-is-the-Seattle-Real-Estate-Market-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
How Hot is the Seattle Real Estate Market?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3cf3e68c1c1a2f0a47_2_HowHot_YT-Thumb.jpeg)
How Hot is the Seattle Real Estate Market in 2022?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3cf9c507537f665c67_Question-to-ask-during-the-home-inspection.jpeg)
Home Inspection Questions You Need to Ask
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3c1ab453ec2bdeedd4_0705_YT_Thumb.jpeg)
Do You Need a Realtor to Buy a House in Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3ba324bd48c204c4ea_0315_Thumb_YT.jpeg)
FHA Loan vs Conventional in 2021 ; Federal Housing Administration
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3b4ee3002012287444_How-to-Find-the-Best-Mortgage-Lender-for-Your-Home-Loan-Blog-Seattles-Mortgage-Broker-Joe-Tafolla.jpeg)
Find the Best Mortgage Lender for Your Home Loan
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3a81c4587e5ccb3aea_1207_Federal_Housing_Administration_FHA_Loans-scaled.jpeg)
Federal Housing Administration Loans 2021
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3af15328ed18e3c15e_Factoria_Somerset_THUMB_YT.jpeg)
FACTORIA and SOMERSET ; Bellevue Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3aa324bd48c204bf81_Copy-of-Copy-of-Seattle-Jumbo-Mortgages.jpeg)
Everything you Need to Know About Seattle Jumbo Mortgages
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3a48ab9e1551d5648b_Everything-You-Need-to-Know-About-VA-Loans.jpeg)
Everything You Need to Know About VA Loans
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d395317066f3145fbcb_7_HowMillenial_YT-Thumb.jpeg)
Advice To A First Time Home Buyer: Down Payment Assistance Programs Exist for Millennials
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d392dccbb3cfe34d6ef_Crossroads_Tour_Thumb_YT-scaled.jpeg)
CROSSROADS ; Bellevue Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d39f15328ed18e3c116_how-much-cash-do-you-need-to-buy-house.jpeg)
Down Payment 101: How Much Money Do I Need to Buy a House?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d39f9c507537f665a30_COVID19-Mortgage-Help-For-HomeownersBlog-Seattles-Mortgage-Broker-Joe-Tafolla.jpeg)
COVID-19 Mortgage Help for Homeowners
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3991499e97f2e3872b_ARM-vs-Fixed-Rate-Mortgage-Seattle-Washington.jpeg)
Comparing ARM vs. Fixed Rate Mortgage
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d38f15328ed18e3c06e_Can-I-Afford-To-Buy-A-Home-Or-Condo-In-Seattle-WA_.jpeg)
Can I Afford To Buy A Home In Seattle?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66548e12dcc736382c794a6a_How-to-Choose-the-Best-Lenders-for-Your-Home-Loans-Blog-Seattles.jpeg)
Choosing the Best Lenders for Home Loans
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3815f94d7b7164f724_Using-Restricted-Stock-Units-to-Buy-a-Seattle-Home.jpeg)
Buying a Home with Restricted Stock Units
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d38f74ec932351dfd7f_Fixed-Rate-Mortgage-ARM-Home-Loan-Seattle.jpeg)
ARM v. Fixed Mortgage: Which is Right For You?
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d38f9c507537f6659dc_Best-Seattle-Washington-Neighbourhoods.jpeg)
Ballard or Queen Anne? The Best Neighborhoods of Seattle to Buy a House
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3891499e97f2e386e8_Avoiding-the-Worst-Seattle-Mortgage-Lenders-Dont-Get-Burned-Blog-Seattles-Mortgage-Broker-Joe-Tafolla.jpeg)
Avoiding the Worst Seattle Mortgage Lenders
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d375e3b820355881122_Seattle-Washington-Home-Buying-Survival-Guide.jpeg)
Are You Buying a House in Seattle? Here’s the Ultimate Survival Guide
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d37b539d07c1faed30e_ARM-Mortgage-vs-Fixed-Mortgage-Which-is-right-for-you-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
Adjustable-Rate Mortgage vs. Fixed-Rate Mortgage
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3733676f16cfad7a87_AlkiBeachTour_Thumb.jpeg)
ALKI BEACH ;; A Seattle Neighborhood Tour
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d37f9c507537f665989_Guide-to-Seattle-Home-Loan-Refinancing.jpeg)
A Complete Guide to Refinancing Your Home Loan
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3748ab9e1551d5624c_8-Ways-to-Lower-Your-Monthly-Mortgage-Payment-Today-Blog-Seattles-Mortgage-Broker-Joe-Tafolla-1.jpeg)
8 Ways to Lower Your Mortgage Payment
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d379e55e150cbc7a5f6_YT_Thumb_0802.jpeg)
8 Mistakes to AVOID When Mortgage Loan Refinancing
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d369e55e150cbc7a5bf_YT_Thumb_0913.jpeg)
7 Seattle Suburbs for Families
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d367937a1f1fc5f3134_7-Mistake-to-Avoid-When-Refinancing.jpeg)
7 Mistakes to Avoid When Refinancing Your Home
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d360e95638dc63cfb25_7-Essential-Questions-to-Ask-a-Seattle-Mortgage-Broker.jpeg)
7 Essential Questions for a Mortgage Broker
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d36cdce9608e268c1d4_Seattle-Real-Estate-market-Trends-2019.jpeg)
5 Seattle Real Estate Market Trends for 2019
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d36a324bd48c204bc05_7-Common-Myths-About-Home-Loans.jpeg)
7 Common Myths About Home Loans
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3691499e97f2e382f4_6-Seattle-Real-Estate-Market-Trends-for-2020-Image.jpeg)
6 Seattle Real Estate Market Trends for 2020
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d3678a4961d9f79ba2e_Copy-of-5-Tips-for-Finding-the-Best-Mortgage-Lender.jpeg)
5 Tips for Finding the Best Seattle Mortgage Lenders
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d36f3e68c1c1a2f0767_5Tips_YT-Thumb.jpeg)
5 Tips for a Cash Out Mortgage Refinance
![Seattle's Mortgage Lender](https://cdn.prod.website-files.com/66425e0b6f0ec844a165846e/66489d35933e4f4c1b11f6d4_Purchasing-Seattle-Home.jpeg)