Resource Center
Property Taxes, Insurance and HOA
Property taxes, levies, homeowners and flood insurance, HOA dues and special assessments, and why a fixed-rate loan still doesn't mean a fixed total payment.
August 25, 2026 · 5 min read
Flood Zones and VA Loans on Mercer Island: Managing Insurance and Your Mortgage Payment
Buying waterfront or low-lying property on Mercer Island can trigger mandatory flood insurance. Learn how lender flood requirements, elevation certificates, and escrow accounts affect your VA loan qualification and monthly payment.
August 25, 2026 · 5 min read
Escrow Shortages and Surpluses: What Happens After Year One
Your fixed-rate mortgage payment can still change. Learn how annual escrow analysis in Pasco and the Tri-Cities impacts your housing costs and how to plan for shortages.
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