From first-time homebuyers to seasoned investors, we have the right loan program for you. Click any program below to learn more about requirements and benefits.
Standard mortgage options including government-backed and conventional financing
Conventional loans with low down payment options in WA & ID. Competitive rates for buyers across the Pacific Northwest. Q Home Loans — pre-approved in 24 hours.
FHA loans in WA & ID with 3.5% down. Flexible credit for first-time buyers in Spokane, Yakima & Tri-Cities. Q Home Loans — pre-approved in 24 hours.
VA home loans with zero down for veterans & active duty in WA & ID. No PMI. Serving Fairchild AFB & all Pacific Northwest bases. Pre-approved in 24 hours.
100% financing USDA loans for rural & suburban homes in WA & ID. No down payment required. Q Home Loans — Pacific Northwest experts. Pre-approved in 24 hours.
Jumbo loans for luxury homes above conforming limits in Spokane, Coeur d'Alene & Pacific Northwest. Expert guidance. Q Home Loans — pre-approved in 24 hours.
Construction loans for building your dream home in WA & ID. One-time or two-time close options. Q Home Loans — flexible financing, pre-approved in 24 hours.
Doctor loans for medical professionals in WA & ID. Up to 100% financing, no PMI, flexible requirements. Q Home Loans — get pre-approved in 24 hours.
Non-QM loans for self-employed, investors, retirees, and international buyers
Bank statement loans for self-employed in WA & ID. Qualify with 12–24 months of statements — no W-2s or tax returns. Q Home Loans — pre-approved in 24 hours.
DSCR loans for investors in WA & ID — qualify on rental income, not personal income. No tax returns needed. Q Home Loans — pre-approved in 24 hours.
Asset depletion loans for retirees & high-net-worth buyers in WA & ID. Qualify using liquid assets, not income. Q Home Loans — pre-approved in 24 hours.
Interest-only loans for investors in WA & ID. Lower initial payments to maximize cash flow. Q Home Loans — expert guidance, pre-approved in 24 hours.
Foreign national loans to buy US property in WA & ID without US credit history. No SSN required. Q Home Loans serves international buyers — pre-approved in 24 hours.
ITIN loans for homeownership in WA & ID without a Social Security number. Use your ITIN to qualify. Q Home Loans — get pre-approved in 24 hours.
Down payment assistance and affordable housing programs
Pathways Program: down payment assistance for first-time & repeat buyers in WA & ID. Q Home Loans — affordable housing solutions since 1992.
STAR Program: mortgage savings for teachers, law enforcement, firefighters, EMTs & nurses in WA & ID. Q Home Loans honors those who serve — pre-approved in 24 hours.
See how different loan types stack up side-by-side
| Feature | FHA | VA | USDA | Conventional |
|---|---|---|---|---|
| Min. Down Payment | 3.5% | 0% | 0% | 3-20% |
| Min. Credit Score | 580 | 620 | 640 | 620 |
| Mortgage Insurance | Required | None | Required | If <20% down |
| Property Types | 1-4 units | 1-4 units | Single family | 1-4 units |
| Best For | First-time buyers | Veterans | Rural buyers | Strong credit |
Our experienced loan officers will help you find the perfect program for your situation. Get personalized guidance today.