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Looking for a mortgage lender in Cheney? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Cheney, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Washington before hiring.
Showing 2 mortgage lenders in Cheney, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Touchstone Real Estate
423 1st St, Cheney, WA 99004
5095599225
STCU: Cheney Branch
2718 1st St, Cheney, WA 99004
5093261954
Mortgage lenders in Cheney Washington help home buyers and refinancing homeowners secure loans for residential properties. Washington state law requires lenders to be licensed under the Consumer Loan Act. Many lenders in Cheney work with first-time buyers and veterans using VA or FHA loans.
What Does a Mortgage Lender in Cheney Cost?
Typical costs for a mortgage in Washington include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance of $1,500 to $3,000. Closing costs usually total 2% to 5% of the home price. These amounts vary by loan type and lender. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Cheney?
You will need recent pay stubs, tax returns, bank statements, and identification. Lenders also check your credit score and debt-to-income ratio. Washington requires a signed loan estimate within three days of application.
How long does it take to close on a home loan in Washington?
The typical closing process takes 30 to 45 days. Washington law requires a three-day right of rescission for refinances. Delays can happen if appraisals or title work take longer.
Are there down payment assistance programs for Cheney buyers?
Yes, Washington offers programs like the Washington State Housing Finance Commission down payment assistance. Cheney residents may also qualify for Spokane County first-time home buyer grants. These programs have income and purchase price limits.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Washington.