Business Details
34 Years
experience
Emergency
services
Your Trusted Mortgage Partner in Bellevue, WA
Sammamish Mortgage has been a family-owned and operated mortgage company since 1992, dedicated to providing home buyers with competitive rates and exceptional service. As a direct lender with in-house underwriting, we maintain full control over the loan process, ensuring transparency and efficiency. Our team of loan officers averages over 15 years of experience, offering personalized guidance without high-pressure sales tactics. We pioneered real-time rate transparency online over 15 years ago and continue to innovate with tools like our borrower portal for seamless document management.Our proprietary programs, such as the Diamond Homebuyer Program, help clients win offers in competitive markets. With an A+ BBB rating and 400+ five-star reviews, we combine local expertise with national network capabilities across Washington, Oregon, Idaho, Colorado, and California.
Services
VA Home Loan
FHA Home Loan
Refinance
Bridge Loans
Cash Buyer Program
Fixed Rate Mortgages
Adjustable Rate Mortgages
Jumbo Home Loan
Self-Employed Mortgages
Second Home Loans
Details
- Year established: 1992
Highlights and features
- We offer in-house underwriting for faster, more controlled loan processing.
- Our team averages 15+ years of experience with specialized mortgage expertise.
- We provide 24/7 access to real-time, transparent mortgage rate quotes online.
- We pioneered proprietary programs like the Diamond Homebuyer Program since 1992.
- We maintain an A+ rating with the Better Business Bureau and 400+ five-star reviews.
Associations and certifications
- Better Business Bureau (BBB)
What people say
Great communication
Responsive
Excellent service
Transparent fees
Expert guidance
Services
VA Home Loan
VA Home Loans offer zero down payment, no PMI, and flexible credit requirements for veterans and active-duty service members. These loans include benefits like no prepayment penalties and funding fee exemptions for eligible borrowers. Sammamish Mortgage specializes in VA loans with expert guidance and competitive rates.
Refinance
Refinance options include rate/term adjustments, cash-out refinancing, and VA streamline programs. We help reduce monthly payments, access home equity, or shorten loan terms with transparent cost breakdowns. Our in-house underwriting ensures a streamlined process for qualified borrowers.
Cash Buyer Program
The Cash Buyer Program enables faster closings with reduced contingencies by leveraging private capital partnerships. This program benefits buyers competing in bidding wars with all-cash offers while maintaining financing flexibility. Approval requires proof of funds and standard underwriting criteria.
Bridge Loans
Bridge loans provide temporary financing for home buyers purchasing a new property before selling their current home. These loans offer flexibility in competitive markets, with terms typically ranging from 6 to 12 months and streamlined approval processes.
Self-Employed Mortgages
Self-employed borrowers receive tailored mortgage solutions using bank statements or non-QM documentation. We specialize in flexible income verification for freelancers, business owners, and contractors while maintaining compliance with lending standards.
People
Ryan
Loan Officer
With over 20 years of experience, Ryan specializes in guiding first-time homebuyers through the mortgage process with clear communication and personalized service.
Jessica
Loan Officer
Jessica focuses on VA and FHA loans, leveraging her 20+ years of expertise to help military families and first-time buyers achieve homeownership.
Ericka
Underwriter
As a senior underwriter with 19+ years of experience, Ericka ensures accurate risk assessment and compliance for complex loan scenarios.
Stacey
Loan Processor
Stacey manages document verification and submission processes, utilizing her 17+ years of experience to maintain efficient loan closings.
Candi
Closing Agent
Candi facilitates smooth closing procedures with 16+ years of experience in title review and settlement coordination for residential transactions.
Questions
What mortgage programs do you offer?
We offer VA, FHA, jumbo, fixed-rate, adjustable-rate, bridge loans, cash buyer programs, and self-employed mortgage options.
Can I get pre-approved without a credit check?
Our initial rate quote requires no credit check, but formal pre-approval involves a credit assessment to determine eligibility.
Do you serve first-time homebuyers?
Yes, we specialize in first-time buyer programs with low down payment options and educational resources.
How do your rates compare to big banks?
Our in-house underwriting and network of 20+ lenders often provide more competitive rates than traditional banks.
Are there closing cost assistance programs?
We offer no-cost refinance options and work with local programs to help qualifying buyers reduce upfront expenses.
Can I use your services outside Washington State?
Yes, we serve clients in Oregon, Idaho, Colorado, and California with state-specific loan programs.
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