Diamond Homebuyer

Become a Diamond Homebuyer! Don’t pay more for a home just because you need a mortgage. We help you beat out pre-approved buyers and compete against all-cash offers.

In addition to providing standard financing for all conforming, VA, and FHA loans, we offer:

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Cash Buyer Program

Become a cash buyer who can close in 10 days and make an all-cash offer

Bridge Loans

Go from a contingent buyer to a cash buyer who can close in 14 days

Investor Cash Flow Loans

Qualify based on the rental income of the property you're buying or refinancing

Jumbo Loans

Get the loan you need for the house you want with a low rate

Why Do You Need to be a Diamond Homebuyer?

When you’re a Diamond Homebuyer, your offer will stand out from the crowd of standard pre-approved offers.

Underwritten Pre-approvals

Far better than a normal pre-approval or pre-qualification, we move underwriting to the beginning of the buying process. Instead of waiting to get an official loan underwrite until after you get an offer accepted, put your earnest money down, order an appraisal and inspection; we move this part of the process up-front before you make an offer on a home. This provides sellers with a virtual guarantee that you can close quickly and on-time with no unexpected surprises in underwriting after the home is under contract. It will enable you to be as close to an all-cash buyer as you can get while still obtaining a mortgage.

We ensure your offer stands out from the crowd

With an underwritten loan approval, you can have full confidence to remove financing contingencies and compete with all-cash buyers without taking on risk of the loan falling apart at the last minute.

We prepare an Appraisal Gap Strategy to help you make a stronger offer

Our experienced loan officers will put together a strategy that will give you flexibility in the event the appraisal comes in low without significantly impacting your cash due at closing or your monthly payment. With home prices rising quickly don’t allow an appraisal using past sales derail your new home purchase.

We call the listing agent to verify your ability to close on-time

With bidding wars being a regular occurrence, we make sure the sellers know how and why your offer is stronger than the rest of the pack. You’ve worked hard to get yourself financially prepared to buy a home. We help you put your best foot forward and ensure there is no question in the seller’s mind that things will move quickly and smoothly if your offer is accepted.

Transparent Rates Available 24/7

We have nothing to hide! We allow our clients to see current rates and costs specific to their situation online. Never guess what the current rates are and what your payment would look like on a property you are considering making an offer on. Have confidence that we will always quote you real available rates regardless of what part of the home buying process you’re in.

Close in 3 weeks or less

By moving the majority of the work involved in the mortgage process to before you make an offer on a property, we not only remove the stress of the mortgage process, but we also enable to you to close quicker and gain a competitive advantage over other homebuyers.

Our team of Loan Officers are on call 7 days a week

Even the best Loan Officers get sick, go on vacation or have a life outside of work. Don’t risk having a Loan Officer that’s not available when you need them most. Our team model allows us to have experienced licensed Loan Officer’s (not Loan Officer Assistants) available 7 days a week. They’ll be able to answer any questions that you might have, update loan approval letters or make the helpful call to a seller’s realtor on your behalf.

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299 reviews
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Increase the odds of getting your offer accepted.

Sammamish Mortgage A lot of mortgage companies don’t value the same things as their borrowers, but Sammamish does:

Trust

Our closing costs are binding, which means that what we quote you is what you will pay; there are no surprises at closing!

Transparency

We offer multiple rate options for each product, and we don’t wrap up additional costs in your interest rate.

Freedom

Filling out a loan application is free and never obligates you to work with Sammamish Mortgage.

Flexibility

Our hybrid online and full-service system lets you choose your loan process without forcing you into one method that works best for us, as many mortgage companies do.

The Sammamish Mortgage Difference

Innovative programs and strategies you need to get offers accepted in today’s competitive house market.

Sammamish Mortgage vs. the Competition
Compare over 20 banks, lenders and investors from our network in seconds
No lender fees, big Loan Officer commissions or junk fees
No outsourcing with in-house underwriting
Real-time custom rates and costs available online 24/7
Our team of loan officers are on call 7 days a week
Underwritten Pre-approvals
Close in 3 weeks or less
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Mortgage Brokers
Sometimes
Rarely
No
Rarely
Sometimes
No
Sometimes
Rarely
Big Banks
No
Rarely
Rarely
Rarely
No
Sometimes
No
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
No
Rarely
Rarely
Rarely
Sammamish Mortgage vs. the Competition
Sammamish Mortgage
Mortgage Brokers
Big Banks
Online Lenders
Compare over 20 banks, lenders and investors from our network in seconds
Sometimes
No
Rarely
No lender fees, big Loan Officer commissions or junk fees
Rarely
Rarely
Sometimes
No outsourcing with in-house underwriting
No
Rarely
Rarely
Real-time custom rates and costs available online 24/7
Rarely
Rarely
Sometimes
Our team of loan officers are on call 7 days a week
Sometimes
No
No
Underwritten Pre-approvals
No
Sometimes
Rarely
Close in 3 weeks or less
Sometimes
No
Rarely
Bridge Loans and Cash Buyer Programs
Rarely
No
Rarely

Who is Sammamish Mortgage?

We proudly serve customers in the Pacific Northwest region. If you’re looking to buy a home in one of these states, we can help!

Transparent Rates and Costs Available 24/7

Our Reviews

Jay Teachman
November 27, 2022
The team at Sammamish is skilled and knowledgeable. They are also very efficient. Every step of the process went smoothly and quickly. And, perhaps more important, the process was completely transparent. There were no surprises along the route, with everything at closing looking just like promised.
Pedro Cori
November 22, 2022
Great! Ryan was always quick to respond with straightforward and easy to understand explanations and clear next steps to take, which was the most important aspect for us. Also able to match the best rates we'd been seeing.
Maeve M
October 30, 2022
We had a fantastic experience with Sammamish Mortgage. Sandra and her team were quick to respond to questions and inquiries throughout the home-buying process, and they were very transparent with their rates, which we appreciated. This was our first time buying a home and we were able to close ahead of schedule. Our realtor was very impressed with them as well. I wholeheartedly recommend Sammamish Mortgage--A+ in customer service, rates, and friendliness!
Jessica D
October 30, 2022
Our experience was incredibly smooth and efficient! We enjoyed working with your company and will reach out again for future purchases. Thank you!
Ming Huo
October 23, 2022
We recently purchased a home in Washington and chose Sammamish Mortgage as our lender. The whole process from quote thru closing was great. Our loan originator Steve and loan processor Stacey were very easy to work with and kept us updated every step of the way. They were able to support our closing timeline of 3 weeks easily. Great people and great company!
Tucker Cholvin
October 4, 2022
I really appreciated the time that Ryan, Suzanne and the whole team took with me to go through my options, how the lending process worked, and to make sure I was comfortable and confident with my choices as a first-time homebuyer. Their service was really above and beyond.
Bora Banjanin
September 29, 2022
Nick from Samamish mortgage gave us the best rate without any of the negotiation required by other lenders. It was a pleasure working with Jana as they promptly addressed issues ensuring we closed on time! Would highly recommend this company to others.

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Whether you’re buying a home or ready to refinance, our professionals can help.

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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.