See What Your Washington Numbers Support
Program and regulatory figures verified September 19, 2026. Details change; confirm your scenario with us.
Tell us the two houses and roughly when you would sell. We will tell you which structure works and what is actually left at the end.
What to have ready
- Roughly what your current Washington home is worth and what you still owe.
- The price range you are shopping, and the county, which sets both the loan limit and the realistic timeline.
- Whether you would consider renting the departing home rather than selling now.
- Your timeline, including anything externally fixed like a start date or a school year.
Approximate figures are fine. They are enough to point you in the right direction.
What happens next
Our team reaches out shortly. We run the two-payment test, calculate what the sale nets after the graduated excise tax and the payoff, size any financing against that net figure rather than the sale price, and look at rental income if that is the stronger route. You get a straight answer, including when that answer is to sell first.
No obligation and no pressure. A short call with our team, your real numbers, and a straight answer on which structure fits and what is actually left after the sale.
Your real estate agent handles the purchase itself and your closing agent calculates the excise tax on the actual transaction. We handle the financing: what you qualify for, how the equity gets used, and what the payment looks like on both houses.
Frequently asked questions
What do you need from me on a first call?
Approximate value and balance on your current Washington home, the price range and county you are shopping in, your income picture and your timeline. Nothing needs to be precise to get a useful direction.
Will you calculate what my sale nets?
Yes, and it is one of the first things we do in Washington. Excise tax is graduated and comes out before the mortgage payoff, so we run the bracket calculation on your expected price and size any financing against what survives it rather than against the sale price.
How quickly will someone respond?
Our team reaches out shortly during business hours. If your timeline is tight, say so in the message and we will treat it that way.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Excise tax treatment, rent-cap exemptions, and county relief thresholds change and depend on your facts; your closing agent, your county assessor, your CPA or a Washington attorney, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.