Business Details
38 Years
experience
Your Trusted Mortgage Brokers in Gig Harbor
Northwest Mortgage Services has been serving homeowners and buyers in Gig Harbor, Washington since 1988. As a veteran-owned business, we bring military values of integrity and service to every mortgage transaction. Our team operates as independent brokers with a fiduciary responsibility to clients, offering personalized solutions for diverse financial goals. We specialize in conventional, FHA, VA, USDA, and jumbo loan programs while maintaining our position as a low-cost provider without compromising service quality. With decades of combined experience, including leadership roles in state and national mortgage associations, we serve all of Washington State including Tacoma and Port Orchard.Our community commitment extends beyond mortgages through donations to local nonprofits and educational initiatives. We maintain NMLS certification (#42631) as testament to our regulatory compliance and professional standards. Our leadership team includes seasoned professionals with military backgrounds, advanced business degrees, and deep local market knowledge. We emphasize transparent communication, ethical lending practices, and continuous professional development to ensure clients receive current, accurate mortgage guidance. Our track record includes navigating multiple interest rate cycles, including the 2008 financial crisis, while maintaining business stability and client trust.
Services
Purchase Loans
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Cash Out Refinancing
VA IRRL
Mortgage Consulting
Details
- Year established: 1988
Highlights and features
- Veteran-owned and operated since 1988
- Fiduciary responsibility to clients as independent brokers
- Low-cost provider without sacrificing service quality
- Community-focused with local nonprofit contributions
- Serving Washington State for over 30 years
Associations and certifications
- NMLS
What people say
Fantastic experience
Exceeded expectations
Smooth process
Knowledgeable and responsive
Highly recommend
Services
VA Loans
Specialized mortgage programs for veterans and active military personnel. Our VA loan specialists help clients access zero-down payment options with competitive rates. We guide borrowers through the entire process from eligibility verification to closing.
Refinance Options
Comprehensive refinancing solutions including rate-and-term adjustments and cash-out options. We help homeowners reduce monthly payments, access equity, or shorten loan terms while maintaining transparent fee structures and clear timelines.
FHA Loans
Federal Housing Administration loan programs for first-time buyers and those with lower credit scores. Our experts explain FHA requirements, assist with minimum down payment options, and ensure compliance with current regulations.
Purchase Loans
Tailored financing solutions for home purchases across Washington State. We offer conventional, jumbo, and government-backed programs with personalized rate comparisons and pre-approval guidance to strengthen buying positions.
Mortgage Consulting
Expert guidance through complex mortgage decisions. Our consultants analyze individual financial situations, explain market conditions, and recommend optimal loan structures while maintaining fiduciary responsibility to clients.
People
Abel Hernandez
President
President and licensed mortgage loan originator with 15+ years in finance. Army veteran with MBA from University of Washington. Lectures on business at UW Tacoma while leading community initiatives and youth soccer programs.
Jeff Carr
Past President
33-year mortgage industry veteran and decorated Vietnam War helicopter pilot. Former president of Washington Association of Mortgage Brokers. Combines military leadership with accounting background to deliver strategic mortgage solutions.
Tracie Hernandez
Vice President
Engineering graduate with mechanical engineering degree from Washington State University. Manages loan operations and underwriting while ensuring smooth client experiences through her project management expertise and attention to detail.
Questions
What mortgage programs do you offer?
We offer conventional, FHA, VA, USDA, jumbo loans, and various refinance options including cash-out and rate-and-term adjustments.
Are you a local Gig Harbor company?
Yes, we're based in Gig Harbor and have served the community since 1988 with additional coverage across Washington State.
How do you differ from big banks?
As independent brokers, we work for you rather than a specific lender, offering multiple loan options with personalized service.
Can you help with first-time homebuyer programs?
Yes, we specialize in FHA loans and other programs tailored for first-time homebuyers with lower down payment requirements.
Do you offer online application options?
Yes, we provide online applications with optional e-signatures and mobile notary services for convenient remote closings.
How quickly can you close a loan?
Our average refinance closing time is 22 days, with experienced staff working efficiently to meet your timeline while maintaining compliance.
