Mortgage Rates
Smart Strategies for King & Pierce County Home Buyers
Learn how to use seller concessions and rate buydowns to lower your monthly mortgage payments in today's King and Pierce County markets.
@walterandemilyhoward
Mortgage Advisor Loan Officer
Fairway Home Mortgage
Mortgage Loan Officer
Walter and Emily Howard | Federal Way Mortgage Lender | The Howard Team at Fairway Home Mortgage Walter and Emily Howard are nationally recognized Mortgage Advisors and leaders of The Howard Team at Fairway Home Mortgage, helping homebuyers throughout Maple Valley, Black Diamond, Covington, Auburn, Enumclaw, Federal Way, Puyallup, and across King and Pierce County, Washington secure the right home loan with confidence. Since 2018, Walter and Emily have consistently ranked among the Top 1% of Mortgage Originators in America, helping hundreds of families each year successfully purchase and refinance homes. Their team is known for fast pre-approvals, strong communication, and smooth closings, making them a trusted choice for buyers and real estate professionals looking for a reliable mortgage lender in the Puget Sound region. The Howard Team has earned the trust of their clients and referral partners through exceptional service, reflected in over 1,000 combined five-star client reviews on Experience.com. Their reputation is built on transparency, education, and helping borrowers understand their financing options so they can make confident decisions. As part of Fairway Home Mortgage, one of the nation’s largest and most respected independent mortgage lenders and a leader in customer satisfaction, The Howard Team offers a full range of home loan programs in Washington State, including conventional loans, FHA loans, VA loans, USDA rural housing loans, jumbo loans, renovation loans, reverse mortgage purchase loans, and refinance options. Walter and Emily specialize in helping first-time homebuyers, move-up buyers, luxury home purchasers, and homeowners exploring refinance opportunities. Whether clients are buying their first home or financing a multi-million-dollar property, their team provides personalized guidance and strategic mortgage planning every step of the way. If you’re searching for a mortgage advisor in Maple Valley, a home loan lender in King County, or a trusted mortgage team serving Pierce County, Walter and Emily Howard are committed to helping you secure the right financing and achieve your homeownership goals.
Mortgage Rates
Learn how to use seller concessions and rate buydowns to lower your monthly mortgage payments in today's King and Pierce County markets.
Home Buying
Discover how much cash you need for a down payment and closing costs in King and Pierce County, WA in 2026 — plus the support programs that can cover them.
Mortgage Rates
With inventory up 16.4% in King and Pierce County, learn why waiting for rates to drop could cost you $30,000+ in appreciation and lost negotiating power.
Mortgage Planning
Drowning in high-interest debt with no monthly cash flow? Trading a low mortgage rate for a 2026 refinance could recover $1,000+ per month in breathing room.
Mortgage Rates
Calculate your home buying power in Washington. See the income needed for a home in King and Pierce County with current 2026 mortgage rates and median prices.
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