You can get pre-approved for a Washington home before you move. Lenders can often qualify you with a signed offer letter from your new employer, subject to program rules on start dates, or with your current income if your job is remote or transferring. Washington has no state income tax on wages, and sellers customarily pay the state's real estate excise tax.
Qualifying during a move
- New job offer. Some programs allow qualifying with a signed offer letter before your start date, within time limits.
- Remote or transferring job. Continuing employment usually qualifies as is.
- Living in Washington, working in Oregon. Common in Clark County. Out-of-state employment is fine.
Selling where you live now
If your down payment depends on selling your current home, see buy before you sell options.
Washington specifics
- No state income tax on wages
- Sellers customarily pay REET; see Washington closing costs
- Loan limits vary by county; see 2026 limits
Common questions
Can I get a Washington mortgage while living in another state?
Yes. Pre-approval and most of the process happen remotely. Kristen is licensed in Washington, where the property is located.

