* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Thinking about buying a home in Bellevue? You’ve come to the right place. For more than three decades, Sammamish Mortgage has been helping buyers achieve their dream of homeownership by guiding them through every step of the loan process — from application to closing.
Mortgage rates across Bellevue, Washington can vary, and several factors influence what you’ll pay:
Securing the best mortgage isn’t just about finding the lowest rate — it’s about working with a lender in Bellevue who is upfront and transparent about their fees. A trustworthy lender ensures you get a loan tailored to your needs, not simply the largest loan available.
Securing a great mortgage rate isn’t just about numbers—it’s about transparency and trust. A reliable lender will clearly outline all fees and terms so you know exactly what you’re committing to.
At Sammamish Mortgage, our goal is to match you with the loan that best fits your financial situation, not simply the largest loan available. With personalized service and decades of experience, we ensure you get the right mortgage solution for your needs.
There are many different types of real estate loans available for Bellevue borrowers.
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.
A fixed-rate mortgage is a loan with a fixed interest rate and monthly payment for the life of the loan, typically 15 or 30 years.
An adjustable-rate mortgage is a mortgage with a variable interest rate that adjusts periodically after an initial fixed period.
Most lenders prefer scores of 620 or higher, but FHA loans may accept lower scores.
Yes, mortgage pre-approval is highly recommended. It helps you understand your budget and strengthens your offer when buying a home.
You’ll need proof of income, tax returns, credit history, ID, and bank statements.
As of 2025, median home prices are around $1.5 million, according to Zillow.
Yes, mortgage lenders may use bank statements or tax returns to verify income for self-employed applicants.
Yes, you can borrow against your home’s equity for renovations, debt consolidation, or other needs.
If rates have dropped or your credit has improved, refinancing can save you thousands of dollars over time.
Expect origination fees, appraisal costs, title insurance, and closing costs (2–5% of loan amount).
Mortgage insurance is required for loans with less than 20% down, and protects the lender if you default.
Yes, rate locks protect you from market fluctuations during closing.
Sammamish Mortgage is a local lender in Bellevue offering competitive rates and personalized service across the Pacific Northwest.
Whether you’re buying a home or ready to refinance, our professionals can help.
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