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

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Our Reviews

4.9 510 Reviews
4.9 167 Reviews
4.9 102 Reviews
4.6 115 Reviews
Aaron Westfall
December 19, 2025
Ryan and his team did a fantastic job. Transparent communication, great set of online tools to handle all the paperwork, great experience overall.
David Brauhn
December 10, 2025
Straightforward, honest, personal, flexible, and fast service. They kept me informed along the way and gave me options that other lenders tried and failed to match. They treated me like a valued customer.
Cynthia Eichner
November 21, 2025
Working with the team at Sammamish was extremely positive. They care and help you navigate all the details required with grace, professionalism and care. highly recommend the team to anyone!
Liz Frazer
November 17, 2025
Very easy to work with -- Ryan was always available if we had any questions. Highly recommend
Susan Williams
November 16, 2025
Excellent. Kevin was fabulous to work with. Professional, communicative and a true joy. He found a solution to my needs that many others could not.
Noriyasu Li
November 14, 2025
Nick and Tonya were absolutely fantastic to work with! From start to finish, the process was incredibly smooth and stress-free. Super competitive rates, and every single person we interacted with - from the loan officer to the processor and even the owner - was professional, friendly, and genuinely helpful. Went through 7-8 quotes and rates and they still came out on top. Highly recommend them to anyone looking for a great mortgage experience!
Rayna Ji
November 14, 2025
We had a fantastic experience working with Sammamish Mortgage! From start to finish, the team was incredibly responsive, transparent, and efficient. They offered one of the best interest rates we found during our mortgage shopping process without charging any processing or junk lender fees a huge plus that made a real financial difference. They were also very flexible and accommodating, especially as we adjusted our down payment structure a few times throughout the process. Despite the changes, they stayed on top of everything and helped keep us on track for a smooth and quick closing. If youre looking for a lender whos professional, competitive, and truly client focused, Id highly recommend them. Were so glad we chose them and would happily work with them again in the future.

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