---
title: "Mortgages"
url: https://pacificnorthwesthousehunting.com/mortgages/
type: page
date: 2026-10-28
modified: 2026-10-28
markdown_url: https://pacificnorthwesthousehunting.com/mortgages.md
author: "mckaymd77"
---

# Mortgages

Resources

# See what your payment can buy.

Start with a monthly payment you're comfortable with and see the price range it opens up in Snohomish County. Then get real numbers from a lender before you shop.

## Mortgage calculators

Pick a calculator to run the numbers with Snohomish County taxes and costs. Each one opens in a new tab.

Choose a calculatorMortgage calculatorAffordability calculator[![Mortgage calculator](https://cdn.palmagent.com/premium_content/GroupCalculators/0_0_0_0_0_8_0_0_335020_1789024491.png)What would a home cost each month?Pick a price and see the monthly payment and estimated closing costs, with Conventional, FHA and VA options and local taxes built in.Open the mortgage calculator →](https://chicagoagent.com/calc/T1Rrd01UTTFAOTMwNTZAc2hhcmVkQDEuMw==)

Estimates use local averages provided by Chicago Title and are for information only. Rates change daily, and your actual payment depends on your loan, credit and the home. A lender can give you real numbers.

## Mortgage terms, explained

**Temporary buydowns**With a 2-1 buydown, your interest rate starts 2% lower in year one and 1% lower in year two, then settles at the regular rate in year three. Smaller payments while you get settled in, and sometimes the seller or builder covers the cost.

It isn't right for everyone. Ask me or your lender whether it fits your plans.

[Talk it through with me](/#book-buyer)

**Seller concessions**A seller concession is money the seller agrees to put toward your costs at closing, like loan fees, prepaid taxes and insurance, or a rate buydown. It can mean less cash out of your pocket on closing day.

Your loan type sets a limit on how much a seller can contribute, so we plan the offer around it.

[Ask me how it works](/#book-buyer)

## Your next steps

[Get pre-approvedI send my buyers to Mike Bon, Senior Mortgage Consultant at American Pacific Mortgage (NMLS #119781). He knows the Washington down payment programs and is notified the moment you apply.Start the application →](https://apmobile.apmortgage.com/dr/c/56rur)
[Talk it through with meBook a buyer consultation. We'll go over your budget, the areas you like and how to make a strong offer.Pick two times →](/#book-buyer)
[Read the Buyer's GuideThe steps, costs and timeline for buying in Snohomish and King County, start to keys.Get the guide →](/homebuyersguide/)

You're free to choose any lender. American Pacific Mortgage Corporation, NMLS #1850. Loan approval, terms and programs depend on credit, income and property eligibility. Not a commitment to lend.