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  • Closing Costs shown include all lender and third party costs.
  • The only items not included in the Closing Cost are property taxes, homeowner’s insurance and daily interest.
  • The payment is principal and interest. 
  • A Loan to Value over 80% may require PMI.

Home of the Flex-Cost Mortgage

Sammamish Mortgage offers our Flex-Cost Mortgage to help home buyers improve their purchasing power and best leverage their current financial situation.

  • Sammamish Mortgage No Cost Program – Qualified buyers can receive lender credits up to $4,000 to cover third-party closing fees such as appraisal, title insurance, county recording fees, etc.
  • Sammamish Mortgage 0 Point Loan – Qualified buyers can get a below average interest rate with 0 Points and 0 Origination Fees providing a great combination of low rates and minimal fees.
  • Sammamish Mortgage Rate Buy Down – Borrowers can buy a lower interest rate to save money on their monthly payment, improve their debt to income ratios and save interest over the life of the loan. All the buy down costs go towards lowering the interest rate and not towards origination fees for the Loan Officer.

Effective May 2018

  • Extended lock terms now available up to 180 days.
  • Avoid Jumbo up to $679,250 regardless of the county loan limit with as little as 10% down on purchases and an 80% LTV on Rate/Term refinances.
  • Reduced Monthly PMI and Lender Paid PMI premiums available for qualified borrowers with less than 20% down.

WHAT SETS US APART FROM THE COMPETITION

TRANSPARENCY IN ALL WE DO

We provide reliable, transparent rates and fees to all our clients. Nothing to hide, no surprises.

ONLINE TOOLS THAT MATTER

You can apply online, check rates in real time and get a free home valuation report right on our website.

On-Time Closing

Our experience and professional team ensures a smooth on-time closing without unexpected surprises.

FAST APPRAISALS

We order appraisals with local companies who know the area, know the market and can provide quick return on reports.

UNPARALLELED REPUTATION

5-Star lender with an A+ Better Business Bureau rating supported by an award-winning operations and sales staff.

COMMUNICATION IS KEY

Consistent notifications keep you informed throughout the loan process. You have consistent access to a local, in-house team member during the loan process.

CHECK OUT OUR FREE ONLINE TOOLS

TOP ORIGINATING & BEST MORTGAGE LENDER

NATIONAL

Ryan Shane

TOP VOLUME #59
TOP VOLUME GAIN #2
TOP UNITS CLOSED #83

WASHINGTON

Ryan Shane

TOP VOLUME #3
TOP VOLUME GAIN #1
TOP UNITS CLOSED #3

WASHINGTON

CLIENT REVIEWS

Michael Shane and his team have incredible response times, and they go above and beyond to make sure your home purchase it done correctly and on time. We ended up closing on our house 1 week earlier than expected. After talking with realtors and other people purchasing homes right now this is incredibly rare. We are amazed at how well the team works together and gets everything done so fast. We have highly recommended the team to all of our friends and family.

The service was exceptional. It was the fastest, most painless refinance we have ever done. With email updates every step of the way the level of communication exceeded our expectations. The website where we uploaded all of our documents was easy to navigate. I couldn't believe how fast everything got done. We have friends who have spent four months trying to close their loan and we feel so luckily that we found you! We will definitely recommend SM to our friends and family.

"We were recommended to Sammamish Mortgage by trusted friends. They were very professional. They had a solution to every challenge we had encountered when we made the last minute change from another Mortgage originator to Sammamish."

Rhoda P
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Zillow - Top Mortgage Company in Seattle
BBB Accredited Business A+ Mortgage Company Washington
Angies List - Best Seattle Mortgage Company

ABOUT SAMMAMISH MORTGAGE

Proudly serving the Pacific Northwest for more than 20 years, we are a family owned and operated lender, offering unrivaled prices on home mortgages. At Sammamish Mortgage, our team of experienced professionals is committed to doing what is best for you, the client. Our number one goal is to make your home loan the enjoyable and exciting experience it should be. For more information about what Sammamish Mortgage can do for you, we invite you to contact us today!

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