Key facts
- Larz Martin, NMLS #2026245, is licensed to originate mortgages in Washington through Lumin Lending, Inc. (NMLS #2716106).
- Access to 100+ wholesale lenders for purchases, refinances, home equity and investor loans.
Lending in Washington
- Higher-cost counties around Seattle have higher conforming and FHA loan limits, which keeps more loans out of jumbo territory.
- Washington is a community property state, which can affect which documents a spouse signs and how a spouse's debts are treated on government-backed loans.
- Homeowners with strong equity and a low first-mortgage rate often compare a HELOC with a cash-out refinance; I run both.
Popular programs in Washington
ConventionalStandard financing for primary homes, second homes and rentals.Learn more →5-Day HELOCHELOC / HELOANTap your equity and keep your first mortgage. Includes the 5-Day HELOC.Learn more →JumboFinancing above the conforming loan limit.Learn more →DSCR / InvestorRentals qualified on the property's income, not your tax returns.Learn more →
Every program available in Washington
Refinance & Cash-OutLower your rate, shorten your term, or take cash out.Learn more →FHAFlexible credit and 3.5% down on primary homes.Learn more →VAFor eligible veterans and service members. $0 down, no monthly MI.Learn more →Non-QM / Bank StatementQualify with bank statements, 1099s, a P&L or your assets.Learn more →Reverse MortgageAge 55+ on select programs. No monthly mortgage payment.Learn more →HEI (Home Equity Investment)Cash from your equity with no monthly payments and no new loan.Learn more →CommercialMultifamily, mixed-use and other income property, case by case.Learn more →
Programs and availability vary by location within Washington. Rates and program availability vary by state, property and lender. This is not a rate quote, a credit decision, an offer or a commitment to lend. Program restrictions apply. Larz Martin NMLS #2026245 · CA DRE #02241936 · Lumin Lending, Inc. NMLS #2716106 · CA DRE #02291443. Equal Housing Opportunity.
