States we lend in
Our loan officers are ready and waiting to help you apply for your home loan.
Feeling overwhelmed by all the home loan options? Sammamish Mortgage loan officers are here to help you find the right mortgage for your needs.
Fixed monthly payments over a 30-year term
Faster payoff with lower total interest cost
Lower starting rate with periodic adjustments
For high-cost loans within conforming limits
For loan amounts above conforming loan limits
Larger VA loans for eligible veterans and service members
Simplified refinance option for VA loan holders
Low down payment option with flexible credit requirements
No down payment loans for eligible rural buyers
Special programs for first-time homebuyers
Temporary financing between selling and buying homes
Make stronger offers by closing with cash
Exclusive support and perks for qualified buyers
Low down payment with flexible income limits
3% down and supports non-traditional income sources
For purchasing income-generating properties
Loans for vacation or seasonal homes
Based on property cash flow, not personal income
Loans for duplexes, triplexes, or fourplexes
Tailored for self-employed and business owners
Qualify based on bank deposits, not tax returns
Designed for 1099 contractors and freelancers
Use profit and loss statements to qualify
Financing for eligible manufactured properties
Use assets instead of income to qualify
Convert assets to qualifying income stream
Loan approval based on pledged assets
Rental income-focused financing for investors
No personal income documentation required
Loans for Airbnb and VRBO properties
Designed for buy-and-hold rental strategies
Flexible lending for non-traditional investors
Pay only interest for an initial loan period
Credit-friendly loans after financial hardship
Loans for non-resident and visa-holding borrowers
For borrowers without a Social Security Number
Mortgage options for condominium purchases
Flexible qualification outside traditional guidelines
There are plenty of different types of home loans to choose from, but you want a loan program that fits your exact needs and financial situation. Many loans are designed for borrowers in good financial standing with great credit and a hefty sum in their savings, but you don’t have to have either of these things to buy a home.
First-time homebuyers qualify for many special programs, as do low-income borrowers and veterans. Some special programs allow a low down payment or even no down payment at all. Others make allowances for borrowers with a less than perfect credit score. Depending on your level of financial need, you might even qualify for a grant program to help with closing costs.
You need a home loan that takes your financial situation, ability to repay, and personal wants and needs for a home into account. You may be able to qualify for a loan program that provides you with financial assistance, including down payment assistance or closing cost assistance. You might be able to leverage a gift of cash from a family member to increase your down payment or negotiate the purchase price and closing costs with the seller.
You need a professional team to help you make the right decision and acquire the most effective mortgage loan and interest rate. Sammamish Mortgage loan officers give you mortgage advice that is based on your interests.
Not only does Sammamish Mortgage offer a wide range of mortgage loan products, we also provide competitive rates for our customers. Finding a good mortgage rate is a critical part of the home buying process. A better rate can translate into large savings over the course of paying back your loan. When you shop for a mortgage loan, a good rate should be among your top priorities.
Based in Bellevue, WA, Sammamish Mortgage has been in business since 1995, and we proudly serve customers in the Pacific Northwest region. Currently, we serve customers who are looking for homes in WA, ID, CO, OR & CA. If you’re currently in the market for a home in one of these states, or you’re thinking about buying a home, we’d love to hear from you. Our team of mortgage professionals has a detailed knowledge of the real estate markets of the Pacific Northwest and is able to help customers navigate these markets. View our Mortgage Loan Programs InfoGraphic!
If you’re either looking or thinking about buying a home in WA, ID, CO, OR or CA, reach out to Sammamish Mortgage today. No matter what stage of the process you’re in, we can provide valuable information which can help you. Contact Us today to learn more, or View Rates to get a sense of what current mortgage rates look like. You can also get a Rate Quote personalized to your situation, or Apply Now to jump start the application procedure.
Our loan officers are ready and waiting to help you apply for your home loan.
If you’re looking to buy a home as a self-employed individual in the Pacific Northwest region, we can help. At Sammamish Mortgage, we offer various mortgage programs for those without traditional employment documentation in WA, OR, ID, CO, and CA. Visit our website to get an instant rate quote or call us today to have your mortgage questions answered!
Get StartedWhether you’re buying a home or ready to refinance, our professionals can help.
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