Select Mortgage

Business Details

34 Years

experience

Instant Mortgage Rates & Low-Cost Home Loans

Select Mortgage has been a trusted name in the mortgage industry since 1992, serving the Pacific Northwest with integrity and expertise. As a family-owned and operated company, we prioritize transparency, offering real-time mortgage rates and closing costs online 24/7 without hidden fees. Our in-house underwriting process ensures complete control over loan approvals, while our team of highly experienced loan officers, averaging over 15 years in the field, provides personalized guidance tailored to each client's unique needs. We specialize in innovative programs like the Diamond Homebuyer Program and Cash Buyer Program, designed to help clients secure competitive offers in today's market.

With a commitment to technology and customer service, we streamline the mortgage process through our secure borrower portal, enabling seamless document submission and eSignatures. Recognized for our A+ Better Business Bureau rating and hundreds of five-star reviews, we combine decades of experience with cutting-edge tools to deliver low rates, fast closings, and a boutique-level experience.

Services

Mortgage Refinance VA Home Loans Jumbo Loans Cash Buyer Program Bridge Loans FHA Loans Conforming Loans Home Equity Loans First-Time Homebuyer Programs Investor Loans

Details

Year established: 1992

Highlights and features

In-house underwriting ensures faster approvals and personalized service.
Transparent rates and $1 lender fees with no hidden costs.
Loan officers average 15+ years of experience in complex transactions.
Innovative programs like Cash Buyer and Bridge Loans for competitive offers.
A+ Better Business Bureau rating with 400+ five-star reviews.

Associations and certifications

NMLS-118653
A+ Better Business Bureau

What people say

Great communication Helpful employees Smooth process Competitive rates Fast approvals

Website

Update Listing

Services

Mortgage Refinance

Refinance your mortgage to lower payments, shorten loan terms, or access home equity. We offer no-cost refinances, VA streamline options, and cash-out programs with competitive rates. Our advisors help determine if refinancing aligns with your financial goals and timeline.

VA Home Loans

Specialized VA loans for veterans and active-duty members with zero down payment, no PMI, and flexible credit requirements. Our team guides you through eligibility, funding fees, and maximizing benefits while ensuring compliance with VA guidelines.

Jumbo Loans

Jumbo loans for high-cost areas exceeding conforming limits. We provide tailored underwriting, competitive rates, and flexible terms for luxury homes or investment properties in Washington, Oregon, and California markets.

Cash Buyer Program

The Cash Buyer Program enables stronger offers in competitive markets without appraisal or financing contingencies. We verify funds upfront, giving buyers an edge while maintaining transparency throughout the transaction.

First-Time Homebuyer Assistance

Comprehensive support for first-time buyers, including down payment guidance, pre-approval education, and access to FHA/VA loans. Our advisors simplify the process from budgeting to closing with personalized rate quotes and document checklists.

People

Shane Family

Founders

The Shane family established Select Mortgage in 1992, combining decades of industry experience with a commitment to transparency. Their leadership drives innovation in mortgage technology and customer service across the Pacific Northwest.

Ryan

Loan Officer

Ryan brings over 20 years of mortgage expertise, specializing in complex transactions and first-time homebuyer programs. His client-focused approach ensures tailored solutions and seamless closings for diverse borrower needs.

Jessica

Loan Officer

Jessica has over 20 years of experience guiding clients through purchases and refinances. She excels in VA loans and investor financing, prioritizing clear communication and timely execution for every transaction.

Shawn

Loan Processor

Shawn has 17+ years in loan processing, ensuring accurate documentation and compliance. His attention to detail streamlines underwriting, particularly for unique financial scenarios requiring meticulous review.

Ericka

Underwriter

Ericka specializes in risk assessment with 19 years of underwriting experience. She ensures adherence to lending standards while maintaining efficiency, particularly for jumbo and non-conforming loan programs.

Questions

What are today's current mortgage rates?

Rates update in real-time based on market conditions. Use our online tool to view live rates and closing costs tailored to your loan amount, credit score, and property type without sharing personal information.

How do mortgage rates get determined?

Rates correlate with the 10-year Treasury yield and Mortgage-Backed Securities. Your credit score, down payment, and loan term also impact the rate. Our advisors help optimize these factors to secure the best pricing.

What credit score do I need for the best rate?

A score of 780+ qualifies for the lowest rates. Borrowers with scores above 620 may still qualify but at higher rates. VA and FHA loans offer flexibility for lower credit profiles.

Can I refinance with bad credit?

Yes, but rates will be higher. FHA and VA loans provide more lenient options. Our team evaluates your situation to determine if refinancing aligns with your financial goals.

What makes Sammamish Mortgage different?

We combine in-house underwriting, $1 lender fees, and 24/7 rate transparency with a boutique experience. Our advisors focus on education, not sales pressure, ensuring you understand all loan program nuances.

Do you offer jumbo loans?

Yes, we specialize in jumbo loans for high-cost areas. Our underwriters evaluate credit, reserves, and debt-to-income ratios to provide competitive rates for luxury homes exceeding conforming limits.