Shopping For a Mortgage

Shopping For a Mortgage

Shopping for a Mortgage in WA, OR, CO or ID

Shopping for a mortgage loan? Whether you’re purchasing a home or refinancing an existing mortgage, it’s important to get the best deal possible. At Sammamish Mortgage, we make it easy with our Instant Rate Quote. With no personal information required, simply enter the details of your loan and instantly receive rates and closing costs specific to your situation.

We’re a local, family-owned mortgage firm based in the Washington area and serve the entire state, in addition to the broader Pacific Northwest region including Oregon, Colorado, and Idaho. We offer many guides and tools for home buyers, including a mortgage calculator. You can apply online and get preapproved for a mortgage loan in just a few days.

Three Tips for Shopping for a Mortgage Loan

Here are some helpful tips for shopping for a home loan:

1. Start with finding the right mortgage lender

There are tons of mortgage lenders out there, but you need one who can guide you through the home loan application process and give you unbiased advice about different loan programs. At Sammamish, we pay out loan officers a salary so they can help you get the loan that is right for you, not just the one that results in the biggest commission.

2. Don’t aim for “the biggest loan you can afford”

When it comes to buying a home, you need to focus on the long game. It’s better to have a little bit of savings left after your closing date and  to be able to put away some extra money every month than to take out the maximum loan amount you can afford then run into financial trouble later down the line. Be smart about your home buying and get advice from a loan professional who has your best interests at heart.

3. Expect lenders to use modern technology

Look for lenders who have a fully digital process but still provide one-on-one support. You should be able to apply for your home loan online, upload your documents through a secure portal, and complete other functions remotely right up to closing day. At the same time, you deserve to be able to get in touch with a personal loan expert as needed if you get stuck or hae a question. At Sammamish, we support the DIY process when it comes to applying, but have professionals standing by to help at each step along the way.

Real-Time Quotes

Mortgage rates are not static. They can change daily, even multiple times during the course of a day. Their ability to fluctuate makes instant real-time data an important advantage. Why make a decision using old information when you can get a real time quote on the spot?

No Worries

Afraid of mortgage companies hounding you? We require absolutely no personal information to provide you a quote. Worried about bait and switch tactics? Sammamish Mortgage provides complete transparency, assuring you the best terms available. Feel confident you are making the right choice and compare with an accurate rate quote.

Mortgage Loans for the Pacific Northwest

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 and OR. 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!

Reach Out to Sammamish Mortgage Today

If you’re either looking or thinking about buying a home in WA, ID, CO or OR, 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.

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Whether you’re buying a home or ready to refinance, our professionals can help.

Compare Mortgage Rates in Your Area Instantly

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.