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Program 05

Transactional Funding in Everett

Same-day transactional funding for an Everett double close.

Transactional funding covers the A-to-B leg of a double close so you can close B-to-C the same day, funding up to 100% of the purchase price with flat-fee pricing and no appraisal or credit check. In Snohomish County both legs of an Everett double close pay real estate excise tax: the graduated state rate plus the 0.50% local add-on that every jurisdiction in the county except Darrington charges. Washington's own-account exemption keeps wholesaling outside real estate licensing, but a licensed escrow closing still runs the paperwork on both legs. Business-purpose only, and every structure is set in underwriting.

Transactional Funding in Everett, WA from USA Mortgage
Same-day
funding
100%
of purchase
Days
not weeks
No credit
check

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Funding is typically same-day with flat-fee pricing and no appraisal or credit check, since the loan is repaid from the simultaneous resale. Bring us the closing docs and we handle the rest.

Who it's for
Wholesalers
Assignment and double closes
Back-to-back closings
Time-sensitive resales
Typical terms
UseFunds the A-to-B leg
LeverageUp to 100% of purchase
TermDays, not weeks
PricingFlat fee
UnderwritingNo credit / appraisal
CloseSimultaneous
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*Typical terms, subject to underwriting and market conditions.

Local FAQ

Transactional Funding in Everett, answered.

Do I need a real estate license to wholesale in Everett?
Not under Washington's own-account exemption. RCW 18.85.151(1) exempts a person who buys or disposes of property, or an equitable interest in it, for their own account from real estate licensing. Washington has no wholesaling-specific statute or disclosure mandate the way some states do, so there is no bespoke local disclosure regime to describe here. Talk to your attorney about your own contract and assignment language, since the exemption covers your own account, not marketing someone else's property on their behalf for a fee.
Does a double close in Everett pay real estate excise tax twice?
Yes, both legs pay it, on each leg's own price. A $650,000 Everett sale pays state REET of 1.10% on the first $525,000 plus 1.28% on the next $125,000, plus Everett's 0.50% local add-on, plus the $5 state technology fee, for about $10,630, roughly 1.635% of price. A double close where the A-to-B and B-to-C legs are priced differently pays that structure twice, once per leg, not once on a combined total. Model REET on both legs before you size the spread.
What does recording a double close cost at the Snohomish County Auditor?
About $608 per financed leg, before extra pages. The Snohomish County Auditor charges $304.50 to record a deed of trust and $303.50 for a standard document such as a deed, plus $1.00 per additional page, and $50.00 for an emergency non-standard cover sheet if a document's margins fail the format requirements. A single financed close records roughly $608 of instruments; a double close records that stack twice, on top of REET twice.
Do I close through an attorney or through escrow on an Everett double close?
Through escrow, not an attorney. Washington closes real estate through licensed escrow agents rather than attorney closings; every escrow transaction must be supervised by a licensed escrow officer, and Limited Practice Officers prepare the closing documents at escrow and title companies. Line up an escrow office that can run both legs of your Everett double close on the same day, and confirm ahead of time that they can fund and record both closings before end of day.
Is a Snohomish County trustee's sale the same list as the county tax foreclosure sale?
No, they are two different calendars. Snohomish County trustee's sales, the foreclosures on private deeds of trust under RCW 61.24, are reported to be held Fridays on the steps of the North Entrance of the Snohomish County Superior Courthouse in Everett, though the exact day and location should be confirmed against a current Notice of Trustee's Sale before you rely on it. The Snohomish County Treasurer runs a separate tax foreclosure once a year, only on parcels with taxes three years delinquent, and states plainly that it does not run trustee's or sheriff's sales. If you are sourcing deals off a foreclosure list, know which list you are reading.
Do I need to bring my own money to an Everett double close?
Not for the purchase itself. We fund up to 100% of the A-to-B purchase price, priced as a flat fee rather than a rate. What you still cover is the local cost stack, and it is not small: real estate excise tax on both legs, about $10,630 on a $650,000 Everett sale, plus roughly $608 of recording per financed leg at the Snohomish County Auditor. Subject to underwriting.
My credit is weak. Can I still fund an Everett double close?
Credit is not part of this program at all. Transactional funding runs with no credit check and no appraisal, because we are only in the deal for the A-to-B leg and your C buyer's funds retire it the same day. What has to be solid instead is the B-to-C side: your end buyer's money needs to be real and ready before the Everett closing is scheduled. Subject to underwriting.
How long does transactional funding last on an Everett deal?
Days, not weeks. The loan exists to cover the A-to-B leg of a simultaneous close, so it funds and retires inside the same closing rather than carrying a term you make payments on, and pricing is a flat fee instead of a rate over time. In Everett that means booking an escrow office that can fund and record both legs before end of day, since Washington closes through licensed escrow agents rather than attorneys. Subject to underwriting.

More Transactional Funding questions, answered on the program page

Resources

Guides for Transactional Funding

Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide
Transactional · 4 min read
What Is Transactional Funding? (Double Closings for Wholesalers)
Read the guide
Fix and Flip · 5 min read
Can You Fund a Fix and Flip With No Money Down?
Read the guide
Getting Funded · 4 min read
How Fast Can a Hard Money Loan Close?
Read the guide
Browse all guides
Compare

Transactional Funding vs. other options

Comparison
Transactional Funding vs Hard Money
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Assignment vs Double Close
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-08-21.

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