Is Dan actually licensed in Washington, or just able to refer me somewhere?

Dan is personally licensed to originate mortgages in Washington State, not just referring you elsewhere. He handles your file directly from application through closing.

Will I need a jumbo loan in Washington?

It depends heavily on the region. Seattle and the Eastside frequently require jumbo financing, while Spokane, Tacoma, and Southwest Washington often stay within conforming limits. Dan can tell you where that line falls for your target area.

Does Washington's lack of state income tax affect my mortgage qualification?

It can work in your favor. Without state income tax withholding, your take-home pay is higher relative to gross income, which Dan factors into your true qualifying picture, especially useful for buyers relocating from a high-tax state.

Can RSU or stock compensation from a Washington tech employer count toward qualifying?

Yes, when documented properly with a vesting history. Dan works with Seattle-area and Eastside tech employees regularly and structures RSU compensation correctly.

Dan Ardis | NMLS #1412272 | Personally Licensed in Washington

Washington Mortgage Broker

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Dan Ardis is personally licensed to originate mortgages across Washington State, from Seattle and the tech-driven Eastside to Spokane, Tacoma, and Southwest Washington, with a fully remote process and no state income tax to factor into your qualifying picture.

Apply Now for Free (661) 342-9381

The Washington Housing Market

Washington's market varies dramatically by region. Seattle and the Eastside, Bellevue, Kirkland, Redmond, rank among the most expensive metros in the country, driven by Microsoft, Amazon, and a dense tech and biotech employer base, with jumbo financing the norm rather than the exception. Tacoma and Everett offer meaningfully more affordable entry points while staying within the greater Puget Sound job market. Spokane, on the state's eastern side, operates as its own more affordable regional economy. Washington has no personal state income tax, which changes the qualifying math for many buyers relative to where they're moving from.

Why Choose Dan Ardis in Washington?

Washington's tech-heavy buyer pool frequently carries RSU and stock compensation that needs to be documented correctly to count toward qualification, something Dan handles regularly. He also works with military buyers near the state's naval and Air Force installations, and manufacturing employees at Boeing's Puget Sound facilities. As a broker with access to 100+ wholesale lenders and jumbo financing relationships built for high-cost markets, Dan shops the full range of Washington's real estate landscape.

Loan Programs in Washington

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Cities We Serve in Washington

Mortgage FAQs for Washington

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Ready to Buy or Refinance in Washington?

Apply online or call Dan at (661) 342-9381 for a free consultation. Licensed to lend in Washington.

Apply Now (661) 342-9381