• Spokane & Eastern Washington – Great for borrowers investing in high-potential, lower-cost markets with steady economic growth.

• Bellingham & the North Sound – Appealing to creatives and remote workers looking for scenic coastal living.

• Tri-Cities (Richland, Kennewick, Pasco) – A top choice for real estate investors and professionals in Washington’s thriving wine and agriculture sectors.

• Island and Coastal Areas (Whidbey, San Juan Islands) – Suited for second-home buyers and those leveraging short-term rental income.

• Rural and Remote Communities – Bank statement loans can provide critical financing options in areas where traditional lending is limited or unavailable.

At Pacific Home Loans, we specialize in flexible mortgage solutions tailored to fit the unique needs of today’s borrowers. Our Washington Bank Statement Loans are an excellent option for:

• Self-employed borrowers who take advantage of tax deductions that may lower their reportable income on paper.

• Entrepreneurs and small business owners who need a streamlined, documentation-light approval process.

• Homebuyers and investors interested in properties throughout Washington, including primary residences, second homes, and investment properties.

We also consider rental income—including short-term and long-term rentals such as Airbnb, VRBO, and other self-managed nightly rentals—when qualifying eligible borrowers. This makes our Bank Statement Loan Program a strong fit for real estate investors in Washington’s most sought-after markets and vacation destinations.

From bustling urban centers like Seattle and Bellevue, to scenic waterfront areas, mountain towns, and remote rural communities, Pacific Home Loans is committed to expanding access to financing across the entire state. Traditional lending options don’t always fit everyone, but with our innovative programs, more Washingtonians can turn their homeownership or investment goals into reality.

From the vibrant cityscapes of Seattle to the peaceful, forested communities of the Olympic Peninsula, Washington State offers a diverse range of opportunities for homebuyers and real estate investors. At Pacific Home Loans, we’re dedicated to providing personalized mortgage solutions that match your unique goals—whether you’re purchasing your first home, moving up to a luxury property, or investing in a short-term rental.

Popular areas for investment and homeownership in Washington include:

• Seattle & Bellevue: Ideal for primary residences and high-demand rental markets.

• Leavenworth & Wenatchee: Charming alpine communities perfect for vacation rentals.

• Bainbridge Island & Gig Harbor: Offering serene waterfront living just a ferry ride from the city.

• Spokane & Eastern Washington: Affordable housing options with strong growth potential.

• Olympic Peninsula & San Juan Islands: Great for secluded second homes or peaceful retirement retreats.

To qualify for a Washington bank statement loan, you’ll need to meet the following requirements:

• Be self-employed or a business owner for at least 2 years.
• Maintain a credit score of 620 or higher.
• Provide 4 to 6 months of PITI reserves, depending on your loan size.

From the rugged coastlines of the Olympic Peninsula to the vibrant energy of Seattle, the rolling vineyards of Walla Walla, and the peaceful charm of the San Juan Islands, Washington State is a standout destination for homeowners and real estate investors alike. Whether you’re planning to settle into a primary residence, purchase a second home, or expand your portfolio with short-term rental properties, our Bank Statement Mortgage Program gives you the flexibility to move forward with confidence.

Ready to take the next step?
Contact Pacific Home Loans today to learn how a Washington bank statement loan can help you achieve your homeownership goals—no matter which city, town, or scenic corner of the state you choose to call home.

*These products may have a higher interest rate, more points or more fees than other products requiring documentation.

Information and self-help tools are provided for your independent use and are not intended to provide investment advice. We cannot and do not guarantee loan eligibility or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to speak with one of our experienced loan officers for a loan eligibility analysis and custom rate and payment estimate.