Derek Huit · NMLS #203980 · Cardinal Financial
Compare mortgage options in Washington
A plain-English comparison of VA, FHA, conventional, and jumbo home loans for Washington homebuyers — built for first-time buyers, military families, and anyone who wants their numbers before they house-hunt.
Licensed in: AK · FL · GA · IL · IN · MI · MT · OK · TX · WA
Four loan paths, one honest comparison
Every buyer’s situation is different. Here’s how the major loan types stack up for Washington homebuyers — no jargon, no pressure.
VA home loans
For eligible veterans, active-duty service members, and qualifying spouses. Buy with little to no down payment, reuse your entitlement on your next home, and work with a team that understands PCS timelines.
FHA home loans
A popular first-home path with flexible credit guidelines and low down payment options. A good fit when your credit history is still a work in progress.
Conventional loans
The classic mortgage for buyers with solid credit — flexible terms, and in many cases no upfront mortgage insurance requirement, with room to grow into your next home.
Jumbo loans
For homes priced above standard conforming limits — higher price points and luxury properties, with underwriting built around strong financial profiles.
Run your own numbers first
Enter your own home price, down payment, rate, and term to see a principal-and-interest estimate for a Washington purchase. Estimates only — not a credit offer, quote, or commitment to lend. This estimate covers principal and interest only. It does not include property taxes, homeowners insurance, HOA dues, or mortgage insurance, which can add significantly to your actual monthly cost.
Open the mortgage calculatorHow it works
Compare programs
See VA, FHA, conventional, jumbo, and down payment assistance side by side — in plain English.
Estimate your payment
Use the calculator to model principal and interest with your own numbers. Estimates only, never a quote.
Get pre-approved
Apply online with Derek Huit, NMLS #203980. Soft credit pull, real pre-approval, no obligation.
Ready when you are
Get a real pre-approval from Derek Huit, NMLS #203980 — soft credit pull, real numbers, no obligation.
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