If your credit union is dragging their heels (I assume you mean not being responsive rather than refusing to lend to you), find another lender.  

Apple, Google, Xerox, Fuji film, and Meta are all coming into the area. 5k people a month move to the area which has created a housing shortage, rent spikes, major appreciation (not just due to inflation) and you can still find single family homes for sale on the MLS in good condition for ~250k+ Tenant-landlord laws are landlord-friendly and taxes are low.

Pay on time for several months and your credit score will spike. 

https://www.seattletimes.com/business/real-estate/market-shift-big-spike-in-seattle-area-homes-for-sale-slows-price-growth/

@Garrett Hawk best advice I’ve gotten, “action beats preparation”, “over preparation is the Achilles heel to success”...

Keep your cash, because, the economic opportunity is coming unless we see another stimulus package that is clearly geared towards mortgage payments.Kenneth,While I agree there will be an over all spike in foreclosures..

Savvy and well heeled investors can see through these youtube gimmicks of flashy cars, rented jets etc.

.; the devil's in the details and I don't believe we currently have the same drivers in the current housing market that fueled the last real estate crash (high sub-prime lending rates and IMHO more importantly, variable rate loans with 5 year teaser rates; in the last crash prices fell due to the spike in foreclosures, and foreclosures were driven by sub-prime adjustable rate loans adjusting).  

For well heeled Manhattan families, the city no longer makes sense.I work for a very large company and have some insight into its location strategy.

I will add, however, that the migration numbers do not reflect the spike in investment money coming into these other markets from the West Coast.