Are you considering making 2026 the year you finally become a homeowner? There's never been a better time to turn your homeownership dreams into reality. As we enter this …
Are you considering making 2026 the year you finally become a homeowner? There's never been a better time to turn …
While the removal of minimum credit score requirements by Fannie Mae and Freddie Mac opens doors for many borrowers, it's essential to understand the potential concerns and risks associated with this significant policy shift. Both industry professionals and prospective homeowners should carefully consider these implications.
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The elimination of minimum credit score requirements by Fannie Mae and Freddie Mac represents a significant opportunity expansion for prospective homeowners. This progressive policy change brings numerous advantages to the mortgage market and creates pathways to homeownership for borrowers who were previously shut out of conventional financing options.
One …
View MoreIn a groundbreaking move that's reshaping the mortgage lending landscape, Fannie Mae eliminated its longstanding minimum credit score requirement on November 16, 2025. This historic policy change, which follows a similar update by Freddie Mac earlier in the year, removes the traditional 620 FICO score threshold that has been a …
View MoreThe HUD-184 loan program provides an excellent pathway to homeownership for Native American and Alaska Native tribal members purchasing homes in Vancouver, Camas, Battle Ground, Ridgefield, Washougal, La Center, and throughout Clark County, Washington. This federally insured mortgage program offers competitive terms and low down payment options specifically designed for …
View MoreSeller credits—also called seller concessions—are one of the most powerful yet underutilized tools for home buyers in Vancouver, Camas, Battle Ground, Ridgefield, Washougal, La Center, and throughout Clark County, Washington. Understanding how to negotiate and use seller credits can significantly reduce your out-of-pocket expenses when purchasing your Clark County home.
… View MoreWashington State's Covenant Homeownership Program represents a meaningful step toward addressing the state's history of racially restrictive housing practices. This specialized down payment assistance program serves eligible homebuyers throughout Clark County—including Vancouver, Camas, Battle Ground, Ridgefield, Washougal, and La Center—whose families were impacted by discriminatory housing policies before 1968.
Many Clark County home buyers don't realize that Washington State Housing Finance Commission (WSHFC) bond programs aren't exclusively for first-time purchasers. Repeat buyers in Vancouver, Camas, Battle Ground, Ridgefield, Washougal, and throughout Clark County may qualify for down payment assistance and below-market interest rates.
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View MoreProud Ground's community land trust (CLT) program provides incredible affordable homeownership opportunities throughout Portland and increasingly in Vancouver and Clark County, Washington. However, Proud Ground transactions are fundamentally different from traditional home purchases—and attempting to navigate them with inexperienced real estate agents or loan officers can derail your purchase entirely.
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