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The Single Most Important Factor When Determining What Rate You Will Qualify For: Credit

February 11, 2016
Michael Shane
Blog, Credit Scoring, Home Financing Tips, Interest Rates, Loan Programs, Mortgage Application

What determines my mortgage rate? There are many factors that will determine what mortgage rate you will qualify for. Loan to value (LTV) – determined by your down payment or equity in your home Debt to income ratios (DTI) – determined…

Google Rating

5.0

Sammamish Mortgage

5.0

fred fred

20:35 17 Jan 19

We are from CA, we searched the internet to see which mortgage company had the highest grade and found Sammamish mortgage. We are very happy with our choice. Nice, Bernice, Suzanne, Sandra, and Candi (hope we did not miss anyone) are professional, efficient, patient, and friendly. If you have questions, they respond quickly. They also referred us to a wonderful realtor and within two months from the time we contacted Sammamish mortgage, the whole process was complete and we had our new house in WA area. We will definitely recommend Sammamish mortgage company to families, friends, and coworkers when it comes to real estate business in this area.

fred fred

20:32 17 Jan 19

We are from CA, we searched the internet to see which mortgage company had the highest grade and found Sammamish mortgage. We are very happy with our choice. Nice, Bernice, Suzanne, and Candi (hope we did not miss anyone) are professional, efficient, patient, and friendly. If you have questions, they respond quickly. They also referred us to a wonderful realtor and within two months from the time we contacted Sammamish mortgage, the whole process was complete and we had our new house in WA area. We will definitely recommend Sammamish mortgage company to families, friends, and coworkers when it comes to real estate business in this area.

J Bear

06:35 02 Jan 19

From start to finish, Nick, Bernice and Sandra were professional as well as exceptional to work with while getting my loan processed. I can honestly say Sammamish Mortgage is the BEST Mortgage Company I have ever dealt with.They made sure I was kept up to date every step of the way and the entire process was low stress and a pleasant experience! If I could give more than 5 stars, I definitely would. My sincere thanks and gratitude to everyone at Sammamish Mortgage.

Rich Quigley

17:53 01 Jan 19

Being first time home buyers, the whole process felt very daunting. Once we took a class we learned to be patient and to find a good lender. Sammamish helped us understand the details of getting a loan and were quick to help. Their whole team was very helpful and the loan options they provided gave us a lot to think about, but really narrowed down the best financing options for us.

Susan Klees

00:21 30 Dec 18

Extremely smooth transaction, very responsive team, excellent experience. I asked for two things: a great rate and on-time closing. I got both, and highly recommend Sammamish Mortgage.

RMC Massei

23:17 24 Dec 18

Sammamish Mortgage Rocks! The Mortgage Team understands how stressful the buying and/or refinancing process can be and completely put us at ease about our decision from the first moment I spoke with Trevor. The process seemed very streamlined despite the amount of "paperwork" and forms it takes to finalize the deal but each person we encountered performed their respective job with courtesy and sense of urgency, answering any questions we had in "real time" which expedited the process. In essence you exceeded our expectations every step of the way.

Yuri Kurat

04:14 03 Dec 18

I thought the team was professional, helpful and kept great communication through the entire process. I felt comfortable through the purchase, even though we are first time buyers. Kudos guys!

Wendy Unzelman

17:46 16 Nov 18

In a fast moving housing market you need quick and correct responses. Bottom line - Ryan and his team at Sammamish Mortgage delivered. They were courteous, knowledgeable and responsive. Job well done! You all were great to work with.

P G

18:31 15 Nov 18

Working with Sammamish Mortgage was a great experience. There are lots of lenders out there and they all offer similar rates, so what differentiates them? Service, knowledge, and professionalism. Every person we worked with on our loan understood our needs and went the extra mile to make the loan happen. Most of the paperwork was handled online making it easy and fast for us. They even sent a notary to the house for signing the closing documents, saving us a trip. Their daily rate tracking and 30 day rate lock was invaluable in getting the best rate and lowest costs. All in all a great experience. I highly recommend Sammamish Mortgage.

Nicolas Correal

13:06 09 Nov 18

Ryan and his team helped me to get a home loan. Our realtor recommended Sammamish Mortgage as I was new to purchasing a house and it was a great referral! They are professional and extremely competent. Something that you must need from a mortgage lender. I was looking for someone who can be responsive to my needs and guide me in the right direction so that I can get a loan. I highly recommend working with Sammamish Mortgage. Thank you, Ryan and team, for everything.

Jason Karaffa

19:30 10 Oct 18

Ryan and his team at Sammamish Mortgage were very easy to work with and offered very competitive rates. The team communicated very well throughout the process and utilized an easy-to-use web portal for uploading documentation. The process was relatively painless and I recommend using Sammamish. A side note for those who might be interested in servicing of the mortgage, Sammamish does not service the loans after they are funded.

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