Business Details
34 Years
experience
Emergency
services
Your Trusted Mortgage Partner in Bellevue, WA
Since 1992, Sammamish Mortgage has been a family-owned direct lender dedicated to empowering homebuyers with transparent mortgage solutions. Our in-house underwriting process ensures complete control over loan approvals, enabling faster decisions and personalized service. With a team of loan officers averaging over 15 years of experience, we specialize in innovative programs like Cash Buyer and Bridge Loans to help clients win competitive offers.Our technology-driven platform provides real-time rate comparisons and digital document management, while our fee structure eliminates hidden costs with a $1 lender fee. Recognized nationally for excellence, including A+ BBB accreditation and 400+ five-star reviews, we serve Washington, Oregon, Idaho, Colorado, and California with a boutique experience and institutional expertise.
Services
Purchase Loans
Refinance
VA Loans
FHA Loans
Jumbo Loans
Bridge Loans
Cash Buyer Program
Conventional Loans
Investor Programs
Home Equity Loans
Details
- Year established: 1992
Highlights and features
- We offer in-house underwriting for faster loan approvals
- Our team provides 24/7 mortgage advisory services
- We maintain a 15+ year average experience among advisors
- We guarantee transparent pricing with $1 lender fees
- We provide access to 20+ lender networks for competitive rates
Associations and certifications
- Better Business Bureau
What people say
Excellent communication
Transparent process
Competitive rates
Knowledgeable staff
Efficient closing
Services
Purchase Loans
Our purchase loan programs help buyers secure financing for primary residences, second homes, and investment properties. We offer conventional, FHA, VA, and jumbo loan options with down payments as low as 3.5%. Our Diamond Homebuyer Program provides pre-underwritten approvals to strengthen purchase offers in competitive markets.
Refinance Services
We specialize in rate-and-term refinancing, cash-out options, and VA streamline programs. Our advisors help reduce monthly payments, access home equity, or shorten loan terms while maintaining transparent fee structures and no hidden closing costs.
Jumbo Loans
Our jumbo loan program serves high-cost markets with loan amounts exceeding conforming limits. We offer competitive rates for qualified borrowers with strong credit profiles and provide tailored solutions for luxury home purchases in Washington, Oregon, and California.
VA Home Loans
We offer VA loans with zero down payment requirements and no private mortgage insurance. Our specialists guide veterans and active-duty personnel through the process, leveraging VA funding fee exemptions and providing streamlined refinancing options.
Bridge Loans
Our bridge loan program helps buyers purchase new homes before selling existing properties. These short-term solutions feature quick approvals and flexible terms to facilitate smooth transitions between real estate transactions.
People
Ryan
Loan Officer
With 20+ years of mortgage experience, Ryan specializes in complex loan scenarios and has closed over $1 billion in residential loans. He focuses on educating clients about market conditions and mortgage options.
Trevor
Loan Officer
Trevor has originated over 2,000 mortgages during his 20-year career. He excels at guiding first-time homebuyers through the purchase process while maintaining a 98% client satisfaction rate.
Questions
What credit score do I need for the best mortgage rate?
A credit score of 780+ qualifies for the best rates. Borrowers with scores above 620 may still qualify but at higher rates. FHA loans require minimum 580 scores with 3.5% down.
How does in-house underwriting benefit me?
Our in-house underwriting department reduces approval times by 30-40% compared to third-party processors. This control ensures faster decision-making and fewer delays during the home buying process.
Can I refinance with bad credit?
Yes, but conventional refinancing requires minimum 620 scores. FHA and VA loans offer more flexibility for borrowers with lower credit scores through government-backed programs.
What are your closing costs?
We charge a $1 lender fee - the lowest in the industry. Total closing costs typically range from 2-5% of the loan amount, including third-party fees for appraisals and title services.
Do you offer online mortgage applications?
Yes, our digital platform allows complete online applications with document upload capabilities. You can track loan progress 24/7 through our secure borrower portal.
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