Jumbo Home Loans in WA State

Avoid high fees and big Loan Officer Commissions Our Salary-based Loan Officers are paid to advise and educate vs. pressure to close. $0 Lender Fees $0 Commission

4.9
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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 salaried Loan Officers are focused on helping you get the best 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 best 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

4.9 348 Reviews
4.9 119 Reviews
4.8 91 Reviews
4.6 107 Reviews
Aaron S.
December 1, 2023
Highly recommend utilizing Sammamish. I looked at 8 different lenders and Sammamish consistently came in with the lowest rate and we're not pushy at all. During the closing process both Sandra and Tonya were there for me the entire time. Thank you!
Brooks B.
November 28, 2023
We had a great experience working with Sammamish Mortgage. Their rates were the best by far: +50bps lower than competitors. But that's just the beginning: the quality of service consistently exceeded my expectations. Trevor was helpful, responsive, and friendly. He patiently answered all my questions, helped me evaluate tradeoffs, and supported our family in finding the right loan option. In addition, Tonya was great as our Loan Processor. We had a 3-week closing period and Sammamish Mortgage was able to meet that tight turnaround. Tonya was great throughout the process: she kept us informed, educated us about the process, and made sure everything continued to move forward. Overall, I cannot recommend Sammamish Mortgage highly enough, and will be recommending them to all my friends and family.
Vinay N.
November 21, 2023
My experience with Sammamish Mortgage has been amazing. Sandra and Jana have provided excellent customer support and help me throughout the process of my owning the house. I would highly recommend to go with Sammamish mortagage, they hands down provided the best rates in the market. Thanks for all your assistance Sammamish Team!
Krzysztof D.
November 21, 2023
Y'all are very honest people, were upfront about pricing, and were clear about what has to happen to make the loan go through.
Susan O.
November 16, 2023
This was the easiest mortgage I have ever done. Nick was a true professional and guided us through the process ensuring we were kept informed along the way. Stacey helped to smooth the financial side and ensure a clean submittal to underwriting. There were no surprises and everything came together with no hitches. The best team to work with, we highly recommend!!
Aubrey K.
November 14, 2023
Communication and promptness was fantastic! I felt that the process was very clear and easy to follow, even for a first timer. It was great how everyone took the time to understand my personal situation and concerns. Definitely feels more human than working with a large bank!
Nathaniel S.
November 8, 2023
Nick, Stacey and the rest of the team were great throughout the entire process. Cant recommend enough!

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