.png)
Let's embark on the journey of how it all started
Our pledge to excellence in providing personalized mortgage solutions for your unique path to financial success and homeownership.
Get in touch
Our Story
Established in 2000, we are a locally operated mortgage company committed to providing every applicant with exceptional service, competitive pricing, and transparent solutions. For over two decades, we’ve helped our community achieve their homeownership goals with honesty, integrity, and personalized attention.
What sets us apart? We believe in complete transparency. That’s why we offer live mortgage rates directly on our website—no loan application or credit pull required. You can access the information you need to make informed decisions, free of pressure or hidden costs.
Our mission is simple: to make the mortgage process smooth, straightforward, and stress-free while ensuring you get the competitive terms. Whether you’re a first-time homebuyer, refinancing, or looking for your next dream home, we’re here to guide you every step of the way.
Discover the difference of working with a local team that puts your needs first. Let us help you turn your homeownership dreams into reality.
14 days
Avg. Closing Time
30+
5 star reviews
20+
Years of mortgage experience
Licensed in Washington currently
Meet our team of mortgage experts
Our simple home loan process
Pre-Approval
Before house hunting, potential buyers should get pre-approved for a mortgage. This involves submitting financial information to a lender who then evaluates credit history, income, debts, and assets to determine how much they can lend and at what interest rate.
Loan Application
Once pre-approved, buyers can start looking for a home within their budget. After finding a property and agreeing on the price, they formally apply for a mortgage. This step requires updated detailed financials and documentation.
Lock Rate
When you lock in a rate, you and the lender agree to a specific interest rate for your mortgage. This rate remains unchanged irrespective of market fluctuations during the lock period. The lock-in period usually ranges from 15 to 60 days, though it can be longer.
Loan Processing
The lender processes the application, which includes verifying all the information provided by the applicant. They may request additional documents or clarification. During this stage, an appraisal of the property is also conducted to assess its market value.
Underwriting
In this critical phase, the underwriter reviews all documentation and decides whether to approve or deny the loan based on criteria like credit score, debt-to-income ratio, and property value. This is where the lender takes on the financial risk of the loan.
Closing
The final step is closing. This involves signing a variety of legal documents that finalize the mortgage agreement. The buyer typically pays the closing costs, and the ownership of the property is transferred. Once this is completed, the buyer is now the new owner of the home!
.svg)
.svg)
.svg)
.svg)
.svg)
