info@tilamortgage.com
206-766-8888
A Division of American Pacific Mortgage, 1850
TILA spelled T-I-L-A stands for the Truth in Lending Act, and
emphasizes our commitment to honest and ethical lending

Buying a Home in Bellevue, Bothell and Seattle

Whether it’s you’re buying a home for the first time or you’re an experienced home buyer, TILA Mortgage has the experience to get you a reduced interest rate home loan.

  • TILA Makes Buying a Home Easy
  • We Walk You Through The Process
  • Reduced Interest Rates

Are You A First Time Home Buyer?
Ask About Our Down Payment Assistance Program

Our experts will help you get qualified for a loan at a reduced rate.

Call 206-766-8888 now  for a free consultation or get a free rate quote by email. From Seattle to Tacoma, from Bellevue to Spokane, we serve all of Washington state.

Request Rate Quote Our Loan Process

 

Loan Options

Let us help you select the right home mortgage for your needs.

 

 

Loan Types Benefits Details
Fixed Rate Mortgage A mortgage in which the payment stays fixed over the life of the loan. Whether market rates change, this loan has the same payments from month to month. We have 10, 15, 20, and 30 year fixed-rate mortgages available with a no closing cost option.
Take advantage of near record low fixed mortgage rates. Learn More
Adjustable Rate Mortgage This type of mortgage loan is characterized by interest rates that adjust or fluctuate in concert with indexes. Generally an Adjustable Rate Mortgage (ARM) begins with an introductory/lower rate which then may rise or fall, but monthly payments may not exceed the ARM loan caps on annual and lifetime basis. We have 10/1, 7/1, 5/1 and 3/1 ARMs available. The first number (10 for example) is the length of the initial period, during which the interest rate is fixed. So, the interest rate on a 10/1 ARM will be fixed for the first 10 years. Learn More
FHA Insured Loan Loans that are insured by the Federal Housing Administration and originated by approved FHA-approved lenders. These loans require a 3.5% down payment with options to finance most of the buyer closing costs. These loans are designed to assist borrowers who need help getting loan approval because of lower credit or limited down payments. An FHA loan is insured by the Federal Housing Administration. This loan program is considered when borrowers have a lower credit score or limited cash available for a down payment. Learn More
Jumbo Loans Type of mortgage loan that is above the conventional loan limits set by Fannie Mae and Freddie Mac. Used for higher priced homes and generally considered a higher risk loan for a bank. We have fixed rate and adjustable rate Jumbo loans available with a no Private Mortgage Insurance (PMI) option. Learn More
Real Estate Investor Loan Type of loan used for investment purposes as opposed to private residential. Often the property will be used for rental purposes, such as rental home, apartments or other spaces that give owners the opportunity to create profit and income over the long term. Borrow up to $650,000 per property. Income sources include rental, W2 and self-employment. Learn More
VA Loan Discounted home loans that are designed exclusively for military veterans to purchase a home with no money down. This loan can also be used for refinancing. Both of these loans are guaranteed by the US Veterans Administration. If the borrower is currently serving in the military, National Guard or Reserve, or is a veteran or a surviving spouse of a veteran, borrower may be eligible for a Veterans Administration (VA) loan. Learn More
Home Improvement 203(k) Streamline Loan The FHA 203k loan program provides home buyers the opportunity to buy and fix up a property without exhausting their personal savings. Home buyers can purchase a property and include most costs to make required repairs or desired updates up to a total of $35,000. All of this with one simple thirty-year fixed rate loan. All work starts AFTER closing on the property. Finance up to an additional $35,000 into the mortgage to improve the home. Borrowers can quickly and easily tap into cash to pay for property repairs or improvements. Learn More
USDA Home Loan This Guaranteed Rural Housing Loan Program is offered through the U.S. Department of Agriculture. The program offers assistance to low-income and moderate-income rural residents whose income is equal to or less than 115% of the area median income. This program allows 100% LTV (Loan To Value) financing with a 30-year fixed-rate first mortgages in designated RHS (Rural Housing Service) areas. Home buyers are eligible for this program when other financial products are not suitable. Learn More

If you’re interested in buying a home in Bellevue to Seattle and Tacoma,  to Bothell, Redmond to Woodinville, TILA Mortgage can get you the home loan that you need.

With TILA Mortgage, you will be given a pre-approval of your qualifications prior to putting an offer on a home. With our pre-approval in your hands, you’ll be able to close faster and have more negotiating power with the seller.

Applying for a Home Loan

Applying for a home loan is easy. We walk you through the process of getting a home loan and make sure you feel comfortable with the details. We listen and understand your goals so that we can recommend the best product for you and your family.

  • Credit Report
  • Employment History
  • Personal Debt

Details

In order to obtain a home loan, you must first submit an application. The application provides the information needed to verify that you can in fact, pay back the loan. Along with the application, a credit report will be ordered. The credit report helps us see how you have been paying your bills and provides us your credit history.

The application will also include questions about your past and present employment, rental information and outstanding bills. These will include credit cards, car loans, furniture loans and any other loans you may have. At TILA Mortgage, our customers know very early in the home loan process which product best fits their situation and the costs involved.

Affordable home loans in Seattle and Washington State

Our home loan experts have 15 years of experience and expertise in the industry. They understand every aspect of home financing and offer trustworthy advice to clients.

With a goal to provide personalized service, our team can help you select the right home mortgage for your financial needs. Our topnotch home loan solutions will make your life easier!

For more information on buying a home in Bellevue, Bothell and Seattle, contact TILA today!

TILA Mortgage, Real Estate Loans, Bothell, WA