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Buying A Home In Washington State Could Not Be Easier

Get Your Pre-Approval Process Started!

The Hoch Team | USA Mortgage | 2720 Hoyt Ave., Ste A, Everett, WA 98206

Customers served! $ 1 Over 4.7 Billion In Home Loans Funded In 2021!

HOW DO I GET STARTED?

Simple: we find the right loan for you.

Want to know one way we make it enjoyable? We keep it simple, with a small number of steps to get you from here to closing day and into your new home. Get a look into how we do it with this short video, “Home Refinance Loan Process.”

1. Pre-Qualification and Documentation

Here we go, the first step. It starts with completing an application, either online or with the assistance of a loan officer. After that, your friendly neighborhood officer will help you determine which program

2. Start Shopping for a New Home

Yes! See, we told you, this is fun! Now you’re on the hunt for the perfect place to call home. A real estate agent can spot any issues and make sure you’re aware, as well as secure the best terms and price

3. Begin the Loan Process

With a sales contract agreed upon, everybody’s on the same page. Now the Mortgage Loan Originator begins to work on the best options and terms, then provides you with an estimate.

4. Inspection and Appraisal

This is when you really want to get up close and personal. With a thorough examination of the home, an inspector will check over the build, structure, materials and any defects or items you will want to

5. Conditional Approval

You! Are! So! Close! At this point, the underwriter will review all the documentation. If it meets the minimum requirements, they’ll issue a “conditional approval.”

6. Final Approval and Closing

And here we are… with final sign-off, you’re clear to close. We’ll get the paperwork ready for you to sign, then we’ll move the money to the title company to pay for your home. High-fives all around!

FEATURED LOAN PROGRAMS

What type of loans are available?

Conventional Loans

This is the usual starting point for many, because it’s exactly what it sounds like: conventional. A Conventional Loan is pretty standard and requires a minimum down payment of 5%, for a maximum loan amount of $548,250. In addition:

  • Seller concession is up to 3-9% of the sales price
  • PMI required over 80% LTV
  • Additional options are available

USDA Home Loans

For a USDA Home Loan, a new or existing property must be located in a USDA-approved area. While there may possibly be financed closing costs, there is no down payment required (100% – 102% LTV financing based on appraised value.) These also feature reduced monthly mortgage insurance premiums. In addition:

  • Seller concessions of up to 6% of the sales price
  • Condominiums may be eligible for financing
  • Not restricted to first time home buyers

FHA Loans

With no income limits, FHA Loans require a 3.5% minimum down payment and a maximum loan amount of $356,362. For condominiums, they must be on FHA-approved list. Also, an upfront Mortgage Insurance premium is financed into the loan. In addition:

  • Seller concessions up to 6% of the sales price
  • Gifts allowed

VA (Veterans Affairs) Loans

Specifically for Veterans, VA Loans require no down payment (loan applicants must meet VA eligibility, however.) The maximum loan amount is $548,250, with no mortgage insurance. The VA funding fee can be financed into the loan (which can be waived by disabled veterans.)

Reverse Mortgage

Just like any other type of mortgage, though the applicant must be 62 years or older, own the property, and occupy it as their primary residence. One nice bonus? You don’t have to make a payment until the last surviving homeowner permanently moves out of the property or passes away. At that point, any remaining equity will be inherited by the estate.

  • Greater fund flexibility
  • Can offer a better alternative to selling

Jumbo Loans

For homes exceeding the value of Conventional Loans as established by the FHFA (the current conforming loan limit for one-unit homes in most counties nationwide is $548,250). Predominantly used to finance homes in highly competitive real estate markets or luxury homes, Jumbo Loans are usually available with a fixed interest rate or an adjustable rate.

  • Down payments must be 10%-15% of the purchase price.
  • Offer a few options when it comes loan types.

It's always fast and easy working with Glenn, April, and the team. This is my third loan through them and it's always been a pleasant experience.

Jessie W S.

Marysville, WA

The Hoch Team is GREAT to work with. Always keeps you informed and works very hard to help you get things handled timely and efficiently. They always keep your best interest 1st. Their customer service goes far and above and beyond. I recommend them to everyone we know and will always use their expertise in the future. THANK YOU FOR EVERYTHING YOU DO!!!!! ABSOLUTELY THE BEST!!!!!!!!

Victor H.

Arlington, WA

The- We closed on time (even sooner if I wanted).
- Communicated and verified details every step of the way. The agent even mentioned that he was happy about comms.
- No surprises.
- Mortgage Questions and concerns were patiently answered and addressed very professionally.
- Overall great experience with the loan team.

Mario M V.

Lake Forest Park, WA

Possibility starts here.
Get approved for your mortgage.

All members of the Hoch Team are Licensed Mortgage Originators. The Lead Loan Advisor is April Brodel and the team’s Loan Partner is Katie Kendall. April has been in the industry for 8 years, taking on both the sales and the operations side of the business. Her experience and knowledge have led her to be Head of Operations and the cornerstone of the team’s success. Katie is going on her second year in the industry, and she is known for going above and beyond for her clients and referral partners. Katie was recognized in 2020 as the USA Mortgage Company’s “Branch Support Staff of The Year”, an award given to her due to her incredible work ethic, positive attitude, and her ability to continuously excel at any task given to her.

The Hoch Team is part of the Top 1% Mortgage Originators in America, they aim to help others reach the dream of homeownership and to help all their clients build wealth through Real Estate.

Contact Details

Washington State

2720 Hoyt Ave, Ste A, Everett, WA 98206