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

4.9 489 Reviews
4.9 161 Reviews
4.9 100 Reviews
4.6 114 Reviews
Josh Perez
September 16, 2025
They were super proactive with everything. We changed our closing date to early and they handled everythig flawlessly. Im a very persistent and proactive person and they were on top of everything and made sure I was aware of every step. Kimberly, Heidi, and the whole team are awesome.
Ryan Anderson
September 16, 2025
After shopping around with a few lenders, Sammamish had the best rates, AND was local, AND was responsive, AND was flexible, AND had great customer service. Even my Realtor commented that they were a dream to work with. I always recommend shopping around, but make sure you give Sammamish Mortgage a shot. Their rates and service blew the big companies out of the water.
Janet Smith
September 15, 2025
Team was professional, fast, and answered all my questions and concerns for a recent refinance. I recommend Sammamish Mortgage for your mortgage needs.
Brad
September 12, 2025
From start to finish, the entire process went smooth! Both Jessica and Tonya were great to work with and ensured we understood everything at each milestone. Thank you for assisting us in purchasing our new home! Cant recommend Sammamish Mortgage enough!
Thomas Bierlein
September 9, 2025
As a realtor, I work with many lenders, and Sammamish Mortgage is always a top recommendation for my clients. When it came time for me to purchase an income property, it was clear they were the right mortgage broker for me as well. The team at Sammamish Mortgage is smart, caring, and incredibly responsive. I would give Ryan Shane and his team six stars if that were possible!
Thomas Zander
September 9, 2025
One word, Great!
Sarah Vu
August 26, 2025
Nick and Tonya worked with me on my loan, and they are an excellent team! I chose them out of the 6+ lenders I contacted -- in fact, two of the other ones I reached out to even advised me to choose Sammamish because their rate could not be beaten. Excellent rate aside, the team is very quick to respond on email/phone and are happy to explain any questions you have. I would highly recommend them.

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