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License Verified:
License: 2538897
Nationwide Multistate Licensing System and Registry
- Rental Loan
- Loans
- VA Refinance
- VA Purchase
- Commercial Loans
- Multi-Family Loans
- Reverse Mortgages
- Mortgage Brokers
- Refinance
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Why choose this provider?
Stone Ridge Home Loans, PLLC, is a mortgage brokerage firm serving clients in and around Seattle. It helps borrowers locate the most suitable mortgage offers by comparing rates and terms across various lenders. It assists home buyers in applying for different types of lending programs, including FHA, VA, reverse, and fixed-rate mortgages, to purchase or refinance properties. It guides clients from pre-approval of loans to closing. The firm's senior mortgage broker, Jody Westfall, has 30 years of experience in the banking industry.
License Verified:
License: 2538897
Nationwide Multistate Licensing System and Registry
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- Zillow
- 5.0 / 5 (142)
- 5.0 / 5 (1)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
(848) 266-5776
848-BookPro
Why choose this provider?
Need help contacting a Mortgage Broker in Seattle? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
Price: Free booking service | Call 848.Book.Pro!
- New Construction
- Refinance
Why choose this provider?
Matt Thomas is a mortgage broker serving clients in Seattle and nearby areas. He assists with conventional, jumbo, FHA, and VA loan applications for those looking to purchase or refinance a home. He handles different property types, including primary residences, second homes, and investment properties. His branch offers first-time homebuyer programs with lower down payments and rates. Matt Thomas is part of Supreme Lending, which has been in the industry since 1999 and received a Dallas 100 Award in 2013 and 2014.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
- Zillow
- 5.0 / 5 (81)
- Yelp
- 4.5 / 5 (67)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
License Verified:
License: 385463
Nationwide Multistate Licensing System and Registry
- New Construction
Why choose this provider?
Adrian Chu is a mortgage broker with offices in San Francisco and Seattle. He helps his clients acquire fixed-rate, adjustable-rate, interest-only, balloon, and reverse mortgages. He also assists self-employed borrowers who want to avail a loan. The additional loan programs he offers include non-traditional portfolio, FHA, VA, Freddie Mac, and Fannie Mae loans. Chu is also a real estate broker and developer with over 10 years of experience. He is the founder of Specialty Real Estate Group and CHU Design + Build.
License Verified:
License: 385463
Nationwide Multistate Licensing System and Registry
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
(+1 additional source)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- New Construction
- Refinance
Why choose this provider?
West Seattle Mortgage is an independent broker serving clients in Seattle and the surrounding locations. It provides mortgage loan products that meet the unique needs of clients, including purchase, refinance, FHA, and VA loans. The brokerage has been offering real estate financing services for various types of properties, such as single-family homes, multi-family residences, manufactured homes, townhouses, and condominiums for more than 19 years. The locally owned and operated company aims to provide a streamlined approach to mortgage loan processing.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
(+1 additional source)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
License Verified:
License: 3043
Nationwide Multistate Licensing System and Registry
- Refinance
Why choose this provider?
Megastar Financial Corporation aims to provide quality financial services in Seattle. The company started in 1999 to cater to the needs of residential homeowners. One of the company's experts is Jeff Johnson, who has been in the business since 2002. His expertise includes customized mortgage solutions, refinance expert, mortgage planning and management, and knowledge of the bond markets. He also covers first-time homebuyers, FHA, and investor financing. For further assistance, customers can get in touch with him via email or phone call.
License Verified:
License: 3043
Nationwide Multistate Licensing System and Registry
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- New Construction
- Refinance
Why choose this provider?
NSB Mortgage caters to individuals and businesses in Seattle, and its surrounding areas. It offers home equity lines of credit, doctor and dentist loans, and mortgage solutions for cash buyers looking to recoup some of their capital investment. It also has a variety of programs for international borrowers, as well as USDA rural home loans. The company is fully automated with several of its loan programs, which allows for easier approvals and closings. It has offices in Alaska, Arizona, California, Colorado, and Washington.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- Zillow
- 5.0 / 5 (60)
- 5.0 / 5 (7)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- New Construction
Why choose this provider?
Seattle Pacific Mortgage Inc. offers various lending options to property buyers in Seattle and the surrounding areas. The company delivers fixed, hybrid, and adjustable-rate mortgages across various products such as jumbo, FHA, and conventional loans. It also consolidates existing debts. The team works with purchases of single-family units and multi-family buildings. Seattle Pacific Mortgage maintains online tools and calculators that give preliminary advice prior to meeting an agent. Its clients include members of the military and their families.
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- ––
License Verified:
License: 761615
Nationwide Multistate Licensing System and Registry
- Refinance
Why choose this provider?
Seattle Mortgage Brokers provide borrowers with a variety of loan options and cut through red tape. The Seattle-area firm partners with competitive lenders to ensure good rates. Licensed, knowledgeable, and experienced loan professionals commit to delivering 100% client satisfaction throughout the loan process. Seattle Mortgage Brokers specialize in helping with new home purchases or refinancing existing loans. A range of programs are available to meet individual client needs and budgets including conventional, FHA, VA, and Jumbo loans.
License Verified:
License: 761615
Nationwide Multistate Licensing System and Registry
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- Yelp
- 5.0 / 5 (1)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- New Construction
Why choose this provider?
Northwest First Mortgage LLC offers services to families and individuals in Seattle and the surrounding communities. It assists clients in filing loan applications to help them achieve their dream residential properties. The company processes conventional fixed-rate loans if home buyers have a good credit history. Its agents also provide adjustable-rate mortgages, EAD cardholder, and hard money loan programs. Northwest First Mortgage partners with more than 20 mortgage lenders and investors, such as One American Mortgage, Home Point Financial, and United Wholesale Mortgage.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- 5.0 / 5 (70)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
License Verified:
License: 35972
Nationwide Multistate Licensing System and Registry
- Refinance
- New Construction
Why choose this provider?
Berlind Corp. DBA Infinity Mortgage Group is a mortgage broker serving clients in Seattle and the surrounding areas. It was formed in 1988 and is a member of the National Association of Mortgage Brokers. It has a broker with more than 27 years of experience in the industry who can assist in refinancing and purchasing loans and managing mortgages. The company also offers clients conventional, FHA, and VA Loans, as well as cash-out home loans.
License Verified:
License: 35972
Nationwide Multistate Licensing System and Registry
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
(+2 additional sources)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- Jumbo Loans
- Refinance
- New Construction
Why choose this provider?
Nikki Holley is a Seattle-based loan professional with KeyBank. She offers loan programs for physicians and Software Engineers seeking to finance homes. These programs include fixed-rate mortgages, ARM products and jumbo loans. With access to programs that allow as little as 10% down up to $1.5 million loan amount with NO mortgage insurance. Her products cater to buyers who are buying in the “Jumbo” loan category. Whether they are borrowing for primary residence, non-owner occupied properties or multi-family residences. Nikki also provides refinancing assistance.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- 5.0 / 5 (17)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- Refinance
Why choose this provider?
Craig Walker is a local financial professional managing the loan process for individuals and businesses around the Seattle metro and its surrounding communities. He offers home purchase and refinancing loans, veteran loans, renovation loans, and loan reversals with the help of mortgage company Finance of America, which has originated over 85 billion mortgages through its more than 300 offices globally since 2017. Craig focuses on helping clients meet their financing requirements. He also provides additional support through the learning modules he uploads on his website.
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- Refinance
Why choose this provider?
Established in 2011, Washington First Mortgage Loan Corp. is a full-service company that caters to clients in Seattle. It works with first-time homebuyers or individuals looking to refinance their mortgages. Its loan officers provide a wide range of refinancing options, such as conventional, jumbo, commercial, and streamlined FHA and VA cash-out. They design these options to meet the needs of local borrowers. One of its officers, Laurie Ausmus, started her mortgage career in 1986 as a loan closer.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
(+1 additional source)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
- Refinance
Why choose this provider?
Westlake Mortgage LLC is a local brokerage firm catering to the needs of homebuyers in Seattle. Its mortgage brokers help borrowers buy or refinance real estate loans whether for a condo, a 1940s craftsman home, or a new-construction house. They assess clients' needs and assist them in navigating the wholesale market. Michael Hermsen, the company's founder, has been in the mortgage industry for over 18 years and has volunteered for the Arthritis Foundation and Big Brother Big Sister Foundation.
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- 5.0 / 5 (40)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
License Verified:
License: 1733272
Nationwide Multistate Licensing System and Registry
- New Construction
- Refinance
Why choose this provider?
FlyHomes Mortgage is a Seattle, Washington-based mortgage broker assisting clients with real estate purchases by conducting the pre-approval process and structuring loan agreements between clients and lenders. This firm serves many types of clients at a range of affordability. Available loan options include conventional loans, jumbo loans, FHA, VA, and fixed rates loans, as well as adjustable agreements. FlyHomes Mortgage assists with initial home purchases as well as refinancing, and it offers same-day pre-underwriting.
License Verified:
License: 1733272
Nationwide Multistate Licensing System and Registry
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
- Yelp
- 5.0 / 5 (24)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
License Verified:
License: 38080
Nationwide Multistate Licensing System and Registry
- Refinance
- Alternative Income Documentation Loans
Why choose this provider?
Westwood Mortgage has been helping Seattle clients with their home purchasing and refinancing needs since 1989. The loan programs it offers include 15-year fixed-rate loans, 30-year fixed-rate loans, 15-year fixed jumbo loans, 30-year fixed jumbo loans, and conforming jumbo loans. The loan originators at the firm have more than 15 years of experience in the mortgage industry. These professionals help clients find the right mortgage program for their needs and guide them through every step of the loan process.
License Verified:
License: 38080
Nationwide Multistate Licensing System and Registry
Reputation:
We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
- Yelp
- 4.5 / 5 (35)
- 5.0 / 5 (2)
Professionalism:
We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
- Responsiveness
- Friendliness
- Helpfulness
- Detail
Frequently Asked Questions
Introduction
It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.
The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.
Can mortgage brokers work across state lines?
Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.
How do mortgage brokers find lenders?
Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.
What credit score do mortgage brokers use?
There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:
- Experian uses FICO Score 2
- Equifax uses FICO Score 5
- TransUnion uses FICO Score 4
Do mortgage brokers help with refinancing?
Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.
You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
Can you work with two mortgage brokers?
You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.
Do mortgage brokers get better deals?
Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.
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