* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Embarking on the journey to find your ideal home in Los Angeles? Count on us to be your trusted guide. At Sammamish Mortgage, we’ve dedicated decades to helping the diverse and dynamic population of Los Angeles navigate their way to homeownership. From the iconic Hollywood Hills to the serene beaches of Santa Monica, we’re intimately familiar with LA’s unique appeal and are poised to assist you at every turn of the mortgage process.
Entering Los Angeles’ vibrant real estate market? It’s important to recognize that mortgage rates in our sprawling City of Angels can be influenced by a variety of factors:
Securing the most beneficial mortgage rate in Los Angeles means working with a lender who values honesty above all. Our Loan Officers at Sammamish Mortgage are professionals, ensuring our clients receive unbiased, tailored advice.
From luxurious estates in Beverly Hills to chic lofts in downtown LA, the city’s real estate offerings span a wide spectrum. Los Angeles caters to an eclectic mix of aspirations and lifestyles, ensuring there’s a place for everyone.
Matching the eclectic needs of its residents, Los Angeles benefits from our comprehensive range of loan programs. Whether you’re a first-time buyer or seeking to refinance your property, we have the right solution for you.
In order to secure the most favorable mortgage rate, it is essential to find a trustworthy and reputable mortgage lender. Seek out a mortgage lender that employs highly experienced Loan Officers. This approach ensures that you obtain a loan tailored to your specific circumstances, avoiding the risk of borrowing beyond your means.
Los Angeles borrowers have a wide range of home mortgage options available to them when it comes to real estate.
Getting a 30-year fixed-rate loan usually means paying more in interest over the life of the loan, but gives California homebuyers a low monthly mortgage payment.
If you are a veteran, an active duty service member, or the surviving spouse of a military vet, a VA loan often requires no down payment or a very low down payment.
Low-income and first-time homebuyers can count on an FHA loan to give them flexibility when it comes to their credit score or down payment.
If you live in a very expensive part of the country, don’t give up hope. Jumbo loans can help you if the price of your dream home is a bit over the conventional loan limits.
A mortgage is a loan used to purchase or refinance a home, with the property serving as collateral for the loan.
Eligibility for home loans in California typically depends on factors like credit score, income, down payment, and property type.
The mortgage process usually involves getting pre-approved, submitting a full loan application with documentation, undergoing appraisal and underwriting, and closing on the loan once approved.
Yes, most loans require a down payment, typically 3%–20%, though VA and USDA loans may offer zero down.
Conventional loans generally require a credit score of 620+, FHA loans may allow as low as 580, while jumbo loans often need 700+.
A conforming loan falls under Fannie Mae/Freddie Mac limits ($806,500 baseline in 2025, up to $1,209,750 in high-cost counties), while jumbo loans exceed these loan limits.
Popular options include conventional, FHA, VA, USDA, and jumbo loans.
Closing costs typically range from 2% – 5% of the loan amount, including fees, title insurance, and escrow.
Usually the buyer, but sellers sometimes offer credits to cover part of them.
Yes, if your down payment is less than 20% on a conventional loan, or with FHA loans regardless of down payment.
Yes, but you’ll typically need a larger down payment and higher credit score.
Yes, lenders may accept bank statements, tax returns, or other income documentation to qualify self-employed borrowers.
Yes, you can refinance to lower your rate, change loan terms, or access equity through cash-out refinancing.
Sammamish Mortgage offers $1 lender fees, in-house underwriting for faster approvals, competitive rates, vast network of lenders, and over 1,500 5-star reviews from satisfied clients.
Licensed by California Department of Protection and Innovation under the California Residential Mortgage Lending Act.
Whether you’re buying a home or ready to refinance, our professionals can help.
{hours_open} - {hours_closed} Pacific
No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
