Mortgage lender in Clark County, WA

Buying in Clark County

Clark County, with its county seat in Vancouver, also takes in Camas, Battle Ground, Washougal, Ridgefield and La Center. Clark County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Washington, from our Southampton, PA office.

2026 conforming limit

$832,750

2026 FHA limit

$701,500 (one-unit, set by HUD)

Above the conforming limit

Jumbo pricing

Closing commonly handled by

escrow and title company

State housing agency

Washington State Housing Finance Commission (general information; not a participating lender)

Your officer

Steve Umansky, NMLS #61764

2026 limits for a one-unit property. Clark County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Clark County: Vancouver, across the river from Portland

Clark County is part of the Portland metropolitan area, and many residents work in Oregon. That income counts normally, though Oregon taxes wages earned there, which affects your take-home pay but not how a lender counts your gross income.

Ridgefield, Camas and Battle Ground have a great deal of new construction, where the rate lock has to match the builder’s completion date and association dues are common. Older neighborhoods in central Vancouver are more moderately priced. Washington’s excise tax usually falls on the seller, which matters if you are selling here to buy here. North and east of Battle Ground, properties come with acreage, wells and septic systems.

Clark County by the numbers

Median home value

$522,900 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

About 0.82% of home value a year: median tax bill $4,290 on a median value of $522,900 (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

State real estate excise tax graduated from 1.1% to 3% of the price, plus local excise tax (Washington Department of Revenue, real estate excise tax)

Largest communities

Vancouver, Orchards, Camas, Hazel Dell (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $522,900. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $701,500.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in Washington

Closings in Washington are typically handled by an escrow and title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Washington page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Clark County buyers ask

Washington notice. Stellar Mortgage Corporation, NMLS #2190975. NMLS Consumer Access.

Limits shown are the 2026 FHFA and HUD figures for Clark County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.