Loan Programs
Seattle home loan programs
Julie offers the full range of Movement Mortgage programs for Seattle and King County buyers. Click any program below for a deep-dive guide. All loans subject to credit approval.
Conventional Home Loans
3, 5, 10, 15, and 20% down options for Seattle buyers. Best fit for borrowers with strong credit who want flexibility on property type, PMI strategy, and loan structure.
Read guide →FHA Home Loans
Government-backed loans with flexible credit guidelines and as low as 3.5% down for qualifying buyers. A common path for Seattle first-time buyers.
Read guide →VA Home Loans
Zero-down financing for eligible veterans, active-duty service members, and surviving spouses. Julie issues fully underwritten approvals to help VA buyers compete in Seattle bidding wars.
Read guide →Jumbo & High-Balance Loans
Financing above the King County conforming limit for higher-price Seattle neighborhoods like Eastlake, Capitol Hill, and Wallingford.
Read guide →First-Time Buyer Programs
WSHFC Home Advantage, House Key Opportunity, Veterans Down Payment, and city of Seattle assistance options. You may qualify for stacked programs depending on income and price point.
Read guide →Refinance Options
Rate-and-term refis, cash-out refis, and PMI-removal refis. Julie will walk through the break-even math given your current rate, balance, and Seattle home value.
Read guide →Floating Home Financing
A true Eastlake specialty. Portage Bay and Lake Union floating-home buyers need portfolio or chattel loan paths because conforming agencies do not finance floating homes. Julie knows the route.
Read guide →USDA Home Loans
Zero-down USDA financing for eligible rural-designated properties. Not common inside Seattle, but available in select areas of King and surrounding counties.
Read guide →Not sure which program fits?
Julie will walk through your situation, what programs you may qualify for, and what the trade-offs look like. No obligation to apply. Call (206) 778-5825 or send a message.