Buyer and Seller Hold Back

Buyer and Seller Holdback Options

The Buyer or Seller Holdback options can be used for the purchase of an owner-occupied or second home. Allows buyers to make improvements to the home by using the equity in the home-based upon the value of the home after the improvements are completed.  The maximum amount of the holdback cannot exceed 10% of the “as-completed” value of the appraisal.  The term of the holdback cannot exceed 120 days. Principal and interest payments begin with the first loan payment.

NOTE: All terms and conditions are subject to change without notice.


Apply Online


Need more information? Contact our Mortgage Loan Officers to discuss your options and let us help guide you through this process.



Get a Custom Loan Quote

Please provide the following information so that we can provide multiple options tailored to your needs.

Zip code is required to assess if it is a jumbo loan. We serve all of Washington.