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WALast updated: 2026-01
Washington Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Washington.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General usury is 12% or 4% above T-bill rate. Higher rate permitted for written agreements.
Business Exemption
Business loans and loans over certain amounts have higher limits.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller Disclosure Statement (Form 17)
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Washington Consumer Protection Act
Real Estate Specifics
Foreclosure process and property laws
- Deed of Trust state
- Non-judicial foreclosure (120-day minimum)
- 8-day redemption (only certain circumstances)
Legal Disclaimer
This information about Washington regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Washington attorney before entering into any seller financing arrangement.