* $800,000 | 30-Yr-fixed | Credit Score 800+ | 25% Down Payment
Finding your dream home in Bellevue is an exciting endeavor, and we’re here to make it as smooth as possible. At Sammamish Mortgage, we have been committed to helping the Bellevue community realize their homeownership dreams for over three decades. From the bustling downtown to the serene neighborhoods, Bellevue continues to be a magnet for home buyers across the Pacific Northwest, and are here to guide you through every mortgage decision you make.
In the fast-paced real estate market of Bellevue, staying informed about current mortgage rates is crucial. These rates can vary due to several factors, such as:
To secure a great mortgage rate in Bellevue, it’s essential to work with a lender that values transparency and expertise. Our team of Mortgage Advisors average over 15 years of experience, ensuring that you receive advice tailored to your individual needs rather than being guided toward larger loans.
From luxurious waterfront properties to cozy suburban homes, Bellevue offers a wide range of housing options that reflect its diverse community. Whether you’re drawn to the vibrant downtown or the quiet, family-friendly neighborhoods, there’s something for everyone.
Bellevue’s diverse housing market demands a variety of loan programs. Whether you’re a first-time homebuyer, looking to refinance, or exploring investment properties, we offer loan programs that cater to all your needs.
To get a great mortgage rate, look for a lender who is transparent about their fees. This helps home buyers get the most effective loans for their specific situations, not the biggest loans.
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.
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.
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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