How Rising Home Insurance Costs Could Affect Your Mortgage Approval

Home insurance costs are climbing nationwide — and they’re starting to affect mortgage approvals. In this video, we explain why insurance premiums are rising, how that impacts your debt-to-income (DTI) ratio, and what you can do to stay mortgage-ready. Whether you’re a first-time homebuyer or planning to refinance, understanding this trend can help you avoid surprises during the loan process. In this episode, you’ll learn: Why home insurance rates are increasing in 2025 How higher premiums can affect mortgage qualification What lenders look for when calculating affordability Tips to protect your budget before closing If you’re shopping for a home in Washington, Oregon, Idaho, Colorado, or California, our team at Sammamish Mortgage is here to help you navigate today’s changing housing market. 📞 Talk to a Loan Officer at (425) 401-8787 💬 Get Your Instant Rate Quote: https://www.sammamishmortgage.com/ins... 🏠 More Resources: https://www.sammamishmortgage.com/blog/ NMLS: CL-118653 NMLS: ML-5046 NMLS: MBL-8245 NMLS: 118653 NMLS: 41DBO-178097. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending. #mortgagetips #homeinsurance #homebuying #sammamishmortgage #mortgageeducation #housingmarket2025