Jumbo Home Loans in WA State

Avoid high fees. Our Highly Experienced Loan Officers are paid to advise and educate vs. pressure to close.

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Do you need a home loan in WA State that is larger than the conforming loan limit? It’s time to apply for a “jumbo loan” to cover the price of your chosen home. Some mortgage companies can’t offer jumbo loans, but at Sammamish Mortgage we offer jumbo and super-jumbo mortgage loans at competitive interest rates. You can get prepared to finance your new home starting now, with a FREE Instant Rate Quote for a jumbo loan that only takes 30 seconds!

Qualifying for a Jumbo Home Loan Is Easier Than You Think

  1. Have a FICO score of 700 (720 in some cases.)
  2. Ensure your debt-to-income (DTI) ratio is solid enough you won’t get over-leveraged.
  3. Show cash reserves on hand (equal to up to one year of mortgage payments.)
  4. Present your full tax returns, W-2s, 1099s, and bank/investment account statements.
  5. Be ready to pay for a second appraisal on request.

Apply for a Jumbo Loan Today

Family-owned since 1992 proudly serves customers seeking homes in WA State. Our Loan Officers are focused on helping you get the loan product for your specific situation. You can start your jumbo loan application online using any connected mobile device to select your desired loan product, get a free instant rate quote, and upload your documentation through our secure portal. Questions? Contact us to speak to an experienced loan professional today.

A+ Rating

A+ Rating with Better Business Bureau

Standards like this have helped Sammamish Mortgage maintain an A+ rating with the Better Business Bureau and has placed several of its loan officers rate in the top 1% for mortgage originators in America.

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 right for us, as many mortgage companies do.

Who is Sammamish Mortgage?

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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

Apply Now

Our Reviews

4.9 533 Reviews
4.9 167 Reviews
4.9 102 Reviews
4.6 115 Reviews
Constantin Berzan
March 3, 2026
Trevor and the team at Sammamish are great. They communicate clearly, they are transparent about costs and fees, and they are able to move very quickly in a competitive situation. I would definitely work with them again.
Britnee Patjens
March 3, 2026
Clint and Shelly made what felt overwhelming at first so smooth and manageable. They took the time to explain every step, answered all of my questions (no matter how small), and made sure my parents felt confident throughout the process. Their communication was clear, timely, and professional from start to finish. Im so grateful for their guidance in helping myself & my parents with the successful quick transaction.
Persio Solis
March 2, 2026
Flexible and reliable support: My wife and I worked with Nick and Tonya at Sammamish Mortgage for our first home purchase. As first-time home buyers, we had many questions about the process and every detail when it comes to money. Nick and Tonya kept frequent communication with us and educated us on the different rate and closing credit bundles, nuances of different loan types, and what line items in the loan estimate represent. Sammamish Mortgage was able to complete a 3-week closing which made our offer more attractive to the seller. Thanks Nick and Tonya for your support and guidance in this endeavor.
Keri Meyers
February 28, 2026
Working with Jessica Ebner at Sammamish Mortgage was a fantastic experience. From our first conversation to funding, she demonstrated exceptional knowledge, patience, and attention to detail. She was always quick to respond, proactive in communication, and made sure we understood every part of the process. Jessicas level of service truly stands out. She made us feel like a priority and guided us with confidence and care. We couldnt have asked for a better loan officer and will absolutely refer friends and family to her in the future.
David Meyers
February 27, 2026
I cannot possibly recommend Sammamish Mortgage enough! Jessica and Barb were complete pro's and if I ever need another mortgage again, I'll be calling them! Great to work with at every level! - Dave
Chris Roution
February 27, 2026
We had an outstanding experience with Sammamish Mortgage. From start to finish, the process was smooth, transparent, and incredibly well-managed. A special thank you to Nick Onstad-Hawes and Shelly Nguyen-Jefferson, both were responsive, knowledgeable, and proactive at every step. They took the time to explain options clearly, kept everything on track, and made what can often be a stressful process feel seamless.
Samiha Brown
February 23, 2026
Absolutely the best mortgage service you can ever receive in closing your house. Jessica helped us through the whole way and she was so knowledgeable, competent, sweet and always quick to help us understand things that we didn't. I would recommend Sammamish Mortgage in a heartbeat.

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