Mortgage loans in Washington
Justin Mackler is licensed to originate home loans in Washington. Here is how a Washington loan works with him, which programs are available, and a few state rules worth knowing.
How a Washington loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Washington title or closing professional handle the appraisal and title work.
- Washington closings are often handled by an escrow company and its Limited Practice Officer.
Loan programs available in Washington
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
WSHFC's Home Advantage program pairs a first mortgage with deferred down payment assistance, subject to eligibility and a Commission-sponsored homebuyer seminar. Washington State Housing Finance Commission (WSHFC)
Washington details to know
- Washington's state real estate excise tax is graduated: 1.10% up to $525,000, 1.28% to $1,525,000, 2.75% to $3,025,000, and 3% above that, plus any local REET. The thresholds rise on January 1, 2027. Source: Washington DOR: Real Estate Excise Tax
- The seller usually pays Washington REET, but the buyer is responsible if the seller does not. Source: Washington DOR: Real Estate Excise Tax
- Washington licenses Limited Practice Officers under Supreme Court rule APR 12 to prepare closing documents such as deeds and deeds of trust, which is why many closings are handled by escrow companies. Source: Washington Courts: APR 12
- King, Pierce and Snohomish counties have a 2026 one-unit conforming limit of $1,063,750. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Washington purchase or refinance and he will follow up with real options.
Washington mortgage questions
Can Justin Mackler help with a mortgage in Washington?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Washington through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Washington?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Washington with a local closing professional, as state rules require.
What is the conforming loan limit in the Seattle area?
For 2026, King, Pierce and Snohomish counties have a one-unit conforming limit of $1,063,750. Most other Washington counties use the $832,750 baseline.
Who closes a home purchase in Washington?
Many Washington closings are handled by escrow companies. Their Limited Practice Officers are licensed under Supreme Court rule APR 12 to prepare closing documents.
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Share your goal, price or loan amount, credit range, timeline, and your Washington property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.