Find the Right Mortgage Program
Sammamish Mortgage offers everyday home loans and specialized options for self-employed borrowers, investors, veterans, asset-rich borrowers, and buyers with unique circumstances.
Browse All Your Home Loan Choices
10-Year Fixed Rate Mortgage
Pay off your mortgage faster while building equity and reducing total interest costs.
1099-Only Mortgage Loans
Mortgage financing tailored for independent contractors and freelancers.
15-Year Fixed-Rate Mortgage Loans
Build equity faster and save on long-term interest costs.
20-Year Fixed-Rate Mortgage Loan
Pay off your home faster while maintaining predictable payments.
30 Year Fixed Rate Mortgage
Enjoy lower monthly payments with long-term payment stability.
Adjustable Rate Mortgages (ARM)
Start with a lower rate that adjusts over time.
Asset Depletion Mortgage Loans
Use investment and retirement assets to help qualify for a mortgage.
Asset Utilization Mortgage Loans
Convert eligible assets into qualifying income for mortgage approval.
Asset-Based Mortgage Loans
Qualify for financing based primarily on your available assets.
Bank Statement Mortgage Loan
Qualify using bank deposits instead of traditional tax returns.
Bridge Loans
Short-term financing that helps bridge the gap between transactions.
Buy Before You Sell
Purchase your next home before selling your current property.
Cash Buyer Program
Make competitive cash-backed offers without paying all cash upfront.
Cash-Out Mortgage Refinance
Access your home equity for major expenses or investments.
Condo Mortgage Loans
Specialized financing options for condominium purchases and refinances.
Conventional Mortgage Loans
A flexible mortgage option with competitive rates and low down payment requirements.
DSCR Mortgage Loans
Qualify based on property cash flow rather than personal income.
Debt Consolidation Mortgage Loans
Use your home equity to combine high-interest debts into one payment.
Diamond Homebuyer Program
Gain stronger negotiating power and stand out to sellers.
FHA Mortgage Loan
Government-backed financing designed for buyers with limited savings or credit history.
First Time Home Buyer Mortgage
Mortgage solutions designed to help first-time buyers purchase with confidence.
Fixed Rate Mortgages
Lock in a stable interest rate and predictable monthly payments.
Home Possible® Mortgage Loans (3% Down)
Flexible mortgage program offering low down payment requirements.
HomeReady Loan
Affordable financing option for low-to-moderate income homebuyers.
ITIN Mortgage Loans
Home financing solutions for borrowers using an ITIN instead of an SSN.
Interest-Only Mortgage Loans
Lower initial monthly payments for qualified borrowers and investors.
Investment Property Mortgage Loan
Financing solutions for purchasing or refinancing investment real estate.
Jumbo Mortgage Loan
Financing for higher-priced homes that exceed conventional loan limits.
Long-Term Rental Mortgage Loans
Financing tailored for traditional rental property investments.
Low Down Payment Purchase Options
Explore loan programs that make homeownership possible with a lower upfront investment.
Manufactured Mortgage Loans
Financing designed specifically for manufactured and mobile homes.
Mortgage Refinance
Explore refinance options to lower your payment, access home equity, consolidate debt, or pay off your mortgage sooner.
Multifamily Property Mortgage Loans
Finance duplexes, triplexes, fourplexes, and larger multifamily properties.
No-Cost Refinancing
Refinance your mortgage with little to no upfront expenses.
No-Income Investor Mortgage Loans
Investor-focused financing with minimal income documentation requirements.
Non-QM Investor Mortgage Loans
Alternative financing options designed for real estate investors.
Non-QM Mortgage Loans
Flexible mortgage solutions for borrowers with unique financial situations.
Profit & Loss (P&L) Only Mortgage Loans
Qualify using business profit and loss statements instead of tax returns.
Second Home Mortgage Loans
Purchase a vacation or secondary residence with flexible financing options.
Self-Employed Mortgage Loan
Financing solutions built around self-employed income documentation.
Self-Employed Non-QM Mortgage Loan
Flexible mortgage options designed specifically for self-employed borrowers.
Short-Term Rental Mortgage Loans
Mortgage solutions for Airbnb, vacation rentals, and short-term properties.
USDA Home Mortgage Loans
Zero-down-payment financing for eligible homes in qualified rural areas.
VA Home Mortgage Loan
Exclusive home financing benefits available to eligible veterans and service members.
VA Streamline Mortgage Refinance
Simplified refinancing option available for eligible VA borrowers.
Why Refinance?
Explore ways refinancing may lower costs or improve cash flow.
Conventional Mortgage Loans
A flexible mortgage option with competitive rates and low down payment requirements.
FHA Mortgage Loan
Government-backed financing designed for buyers with limited savings or credit history.
VA Home Mortgage Loan
Exclusive home financing benefits available to eligible veterans and service members.
USDA Home Mortgage Loans
Zero-down-payment financing for eligible homes in qualified rural areas.
Jumbo Mortgage Loan
Financing for higher-priced homes that exceed conventional loan limits.
First Time Home Buyer Mortgage
Mortgage solutions designed to help first-time buyers purchase with confidence.
HomeReady Loan
Affordable financing option for low-to-moderate income homebuyers.
Home Possible® Mortgage Loans (3% Down)
Flexible mortgage program offering low down payment requirements.
ITIN Mortgage Loans
Home financing solutions for borrowers using an ITIN instead of an SSN.
Condo Mortgage Loans
Specialized financing options for condominium purchases and refinances.
Manufactured Mortgage Loans
Financing designed specifically for manufactured and mobile homes.
Second Home Mortgage Loans
Purchase a vacation or secondary residence with flexible financing options.
Low Down Payment Purchase Options
Explore loan programs that make homeownership possible with a lower upfront investment.
Fixed Rate Mortgages
Lock in a stable interest rate and predictable monthly payments.
30 Year Fixed Rate Mortgage
Enjoy lower monthly payments with long-term payment stability.
20-Year Fixed-Rate Mortgage Loan
Pay off your home faster while maintaining predictable payments.
15-Year Fixed-Rate Mortgage Loans
Build equity faster and save on long-term interest costs.
10-Year Fixed Rate Mortgage
Pay off your mortgage faster while building equity and reducing total interest costs.
Adjustable Rate Mortgages (ARM)
Start with a lower rate that adjusts over time.
Interest-Only Mortgage Loans
Lower initial monthly payments for qualified borrowers and investors.
Non-QM Mortgage Loans
Flexible mortgage solutions for borrowers with unique financial situations.
Bank Statement Mortgage Loan
Qualify using bank deposits instead of traditional tax returns.
1099-Only Mortgage Loans
Mortgage financing tailored for independent contractors and freelancers.
Profit & Loss (P&L) Only Mortgage Loans
Qualify using business profit and loss statements instead of tax returns.
Self-Employed Non-QM Mortgage Loan
Flexible mortgage options designed specifically for self-employed borrowers.
Self-Employed Mortgage Loan
Financing solutions built around self-employed income documentation.
Asset Depletion Mortgage Loans
Use investment and retirement assets to help qualify for a mortgage.
Asset Utilization Mortgage Loans
Convert eligible assets into qualifying income for mortgage approval.
Asset-Based Mortgage Loans
Qualify for financing based primarily on your available assets.
Investment Property Mortgage Loan
Financing solutions for purchasing or refinancing investment real estate.
DSCR Mortgage Loans
Qualify based on property cash flow rather than personal income.
No-Income Investor Mortgage Loans
Investor-focused financing with minimal income documentation requirements.
Non-QM Investor Mortgage Loans
Alternative financing options designed for real estate investors.
Long-Term Rental Mortgage Loans
Financing tailored for traditional rental property investments.
Short-Term Rental Mortgage Loans
Mortgage solutions for Airbnb, vacation rentals, and short-term properties.
Multifamily Property Mortgage Loans
Finance duplexes, triplexes, fourplexes, and larger multifamily properties.
Bridge Loans
Short-term financing that helps bridge the gap between transactions.
Cash Buyer Program
Make competitive cash-backed offers without paying all cash upfront.
Diamond Homebuyer Program
Gain stronger negotiating power and stand out to sellers.
Buy Before You Sell
Purchase your next home before selling your current property.
Debt Consolidation Mortgage Loans
Use your home equity to combine high-interest debts into one payment.
Mortgage Refinance
Explore refinance options to lower your payment, access home equity, consolidate debt, or pay off your mortgage sooner.
No-Cost Refinancing
Refinance your mortgage with little to no upfront expenses.
Cash-Out Mortgage Refinance
Access your home equity for major expenses or investments.
VA Streamline Mortgage Refinance
Simplified refinancing option available for eligible VA borrowers.
Why Refinance?
Explore ways refinancing may lower costs or improve cash flow.
Live Mortgage Rates by State
Compare today’s mortgage rates and get personalized rate quotes based on your location, loan type, and home financing goals.
Washington*
Oregon*
Idaho*
California*
Colorado*
How to Compare Mortgage Loan Types
Program names are only a starting point. Compare interest rate, APR, down payment, mortgage insurance, monthly payment, closing costs, documentation, property eligibility, and long-term affordability before deciding.
Conventional financing is the customer-facing umbrella for traditional loans. Conforming loans are conventional loans that meet applicable agency and loan-limit guidelines.
Not sure where to begin?
A mortgage advisor can compare the programs that match your goals, property, income documentation, assets, and expected time in the home.
Mortgage Programs in Washington, Oregon, Idaho, California, and Colorado
Based in Bellevue, Washington, Sammamish Mortgage has served homebuyers and homeowners since 1992. Our team helps borrowers compare purchase, refinance, investor, and specialty options across the states where we lend.
Mortgage Program FAQ
Fixed-rate mortgages keep the same interest rate for the life of the loan. Adjustable-rate mortgages begin with an initial rate period and then adjust according to the loan terms.
Lenders review factors such as credit history, eligible income, employment or business history, debts, assets, down payment, property details, and the selected program guidelines.
Credit requirements vary by program, property, loan amount, and the rest of the borrower profile. A mortgage advisor can review the programs that may apply to your situation.
The minimum down payment depends on the exact loan type and borrower eligibility. Some conventional programs may allow low down payments, while no down payment may be available for eligible VA or USDA borrowers.
PMI generally protects the lender when an eligible conventional borrower makes a down payment below the applicable threshold. Cost and cancellation rules depend on the loan.
Closing costs are expenses associated with obtaining the mortgage and completing the transaction, such as appraisal, title, escrow, recording, prepaid items, and lender or third-party charges.
The interest rate is the cost of borrowing principal. APR is a broader annualized measure that includes the interest rate and certain loan costs, which can help compare offers.
Documentation varies by program. It may include identification, income records, tax returns, bank or asset statements, employment or business information, and property documents.
Pre-Approval in Other States
We offer detailed mortgage pre-approval guides for multiple locations across the Pacific Northwest and beyond. Choose your state to learn more:
Useful answers for decisions happening now.
Important disclosure: Loan programs, qualification methods, rates, terms, and availability are subject to change and vary by borrower, property, occupancy, loan amount, and applicable guidelines. All loans are subject to credit approval, documentation, underwriting, and program eligibility. A program shown here is not a commitment to lend or a guarantee of approval.