* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Long Beach offers a diverse housing market that appeals to a wide range of buyers. From waterfront condominiums and historic homes to suburban neighborhoods and investment properties, the city provides opportunities for first-time homebuyers, growing families, professionals, and retirees alike.
Because every property and borrower is different, finding the right mortgage requires more than simply comparing interest rates. At Sammamish Mortgage, we take the time to understand your goals and recommend financing solutions that fit your budget, lifestyle, and long-term plans.
The right mortgage should support your financial future—not just your immediate home purchase. Before selecting a loan, it’s important to consider how your mortgage will fit your monthly budget and future plans.
Our mortgage professionals can help you compare:
As your Long Beach mortgage lender, we’ll help you understand the advantages of each option so you can make an informed decision with confidence.
We offer a comprehensive selection of mortgage products designed to meet a variety of financial needs and homeownership goals.
Our available loan programs include:
Whether you’re purchasing a primary residence, second home, or investment property, we’ll help you identify the financing solution that’s right for you.
Preparing your finances before you begin your home search can make the entire buying experience smoother. Getting pre-approved gives you a clear understanding of your purchasing power and demonstrates to sellers that you’re ready to move forward when the right home becomes available.
Our team is here to answer your questions, explain each step of the mortgage process, and help you avoid common financing obstacles so you can focus on finding the home that fits your needs.
A mortgage is one of the largest financial commitments you’ll make, and your financing needs may change over time. Whether you’re considering refinancing in the future, removing mortgage insurance, or planning your next home purchase, having a trusted lending partner can make those decisions easier.
At Sammamish Mortgage, we’re committed to building long-term relationships by providing ongoing guidance and helping borrowers make informed financial decisions well beyond closing day.
Choosing a Long Beach, CA mortgage lender means working with professionals who value education, transparency, and personalized service.
When you work with Sammamish Mortgage, you’ll receive:
Whether you’re purchasing, refinancing, or investing, we’re here to help you navigate the mortgage process with confidence and find a loan that supports your long-term financial goals.
Choosing the right mortgage lender is just as important as choosing the right loan. We provide personalized guidance, honest communication, and expert support from pre-approval through closing, helping Long Beach homebuyers make confident, informed mortgage decisions every step of the way.
Every borrower has different financial goals, and the right mortgage program depends on your individual circumstances. Whether you’re financing your first home, purchasing a higher-value property, refinancing your current mortgage, or investing in real estate, Sammamish Mortgage offers mortgage programs designed to support a wide range of home financing needs.
Explore the mortgage programs below to learn more about the financing solutions available for Long Beach homebuyers and homeowners.
A 30-year fixed-rate loan is one of the most popular types of mortgages, since it lets you spread out the cost of buying a home in Washington for a reasonable monthly mortgage payment.
A 15-year fixed-rate mortgage features a fixed interest rate and consistent payments over a 15-year term.
ARMs are loans where the interest rate starts low and adjusts periodically based on market conditions.
VA loans are designed for veterans, service members, and surviving military spouses. Qualifying borrowers can get a home loan with no down payment.
FHA loans are designed for low-income or first-time home buyers who may not have perfect credit or a big down payment. You can achieve home ownership sooner than you think.
Jumbo loans can help qualify you to buy a home in a more expensive part of the country, even if the price of the home is higher than conventional loan limits.
Bridge loans refers to short-term financing that helps cover costs until long-term funding or a property sale is finalized.
Self-employment mortgages are designed for borrowers who earn income through business ownership or freelance work.
Bank statement loans use bank deposits as proof of income instead of traditional tax documents.
Asset-based loans are a type of financing that is secured by personal or business assets rather than just income or credit score.
DSCR loans are a type of investment property loans approved based on the property’s debt service coverage ratio rather than personal income.
1099-only loans are tailored for independent contractors who verify income solely through 1099 forms.
First-time buyer programs are Special loan options offering lower down payments or incentives for new homeowners.
Investment loans are a type of financing designed for purchasing rental properties or real estate intended to generate income.
Second home mortgages are designed for buyers looking to purchase a vacation property or secondary residence.
A Cash Buyer Program lets homebuyers make an offer without the usual financing contingencies required with traditional mortgages. With the Sammamish Mortgage Cash Offer Program, buyers can take ownership immediately and avoid the risk of paying high excise taxes that may apply when a title is transferred from a third-party purchaser.
Available options include conventional loans, FHA loans, VA loans, jumbo loans, USDA loans where eligible, fixed-rate mortgages, adjustable-rate mortgages, refinance loans, cash-out refinance loans, and investment property loans.
The right mortgage depends on your budget, property type, down payment, monthly payment goals, and long-term plans. Comparing fixed-rate and adjustable-rate options, loan terms, closing costs, and overall borrowing costs can help identify the best fit.
Yes. Long Beach offers opportunities for first-time homebuyers, and financing options may include conventional loans, FHA loans, and other programs that fit different financial situations and down payment needs.
Yes. Jumbo loans are available and may be useful for borrowers purchasing higher-priced properties in Long Beach.
A fixed-rate mortgage offers predictable monthly principal and interest payments, while an adjustable-rate mortgage may offer different benefits depending on how long you expect to keep the loan and your financial plans. Comparing both options helps determine which is more suitable.
Yes. Refinance loans and cash-out refinance options are available for borrowers who want to change their loan terms, access home equity, or explore new financing opportunities as their needs change.
Yes. Getting pre-approved helps clarify your purchasing power and shows sellers that you are ready to move forward when the right home becomes available.
Yes. Investment property loans are available for borrowers who want to finance rental or other investment properties in Long Beach.
It is important to compare down payment requirements, loan terms, monthly payments, closing costs, and total borrowing costs rather than focusing only on the interest rate.
Ongoing mortgage support may include guidance on future refinancing, removing mortgage insurance, and planning for a later home purchase as your financial goals evolve.
Our loan officers are ready and waiting to help you apply for your home loan.
Licensed by California Department of Protection and Innovation under the California Residential Mortgage Lending Act.
Learn more about the people behind Sammamish Mortgage
Whether you’re buying a home or ready to refinance, our professionals can help.
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