VA Mortgage Loans

Avoid high fees. Our Highly Experienced Loan Officers are paid to advise and educate vs. pressure to close.

4.9
500+
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VA mortgage loans offer a unique opportunity for home buyers who have military experience. These loans are one way that our government compensates veterans for their military service. With a VA loan, you may be able to finance the entire value of your home with no down payment! 

VA loans are government-backed, and so home buyers will not need private mortgage insurance (PMI. If you’re a veteran and currently in the market for a new home, you should take advantage of the unique opportunity presented by a VA loan. Get a FREE Instant Rate Quote, it only takes 30 seconds!

Benefits of a VA Home Loan:

  • No down payment unless required by the lender or the purchase price is more than the reasonable value of the property
  • No private mortgage insurance premium requirement
  • VA rules limit the amount you can be charged for closing costs
  • Closing costs may be paid by the seller
  • The lender can’t charge you a penalty fee if you pay the loan off early
  • VA may be able to provide you some assistance if you run into difficulty making payments

VA Loans for Home Buyers in WA State

Sammamish Mortgage is a family-owned mortgage company. We have been in the mortgage lending industry since 1992 and offer mortgage programs to customers in the Pacific Northwest region, including WA, OR, ID, and CO. Our team of professionals can act as your mortgage broker and help guide you through the mortgage application and acquisition processes. 

Our online mortgage application system allows you to choose your desired loan, get a customized rate quote, and even upload your documents. Get a FREE Instant Rate Quote today to find out how much your mortgage will cost you. View Live Rates or Get Pre-Approved Today!

A+ Rating

A+ Rating with Better Business Bureau

Standards like this have helped Sammamish Mortgage maintain an A+ rating with the Better Business Bureau and has placed several of its loan officers rate in the top 1% for mortgage originators in America.

Sammamish Mortgage A lot of mortgage companies don’t value the same things as their borrowers, but Sammamish does:

Trust

Our closing costs are binding, which means that what we quote you is what you will pay; there are no surprises at closing!

Transparency

We offer multiple rate options for each product, and we don’t wrap up additional costs in your interest rate.

Freedom

Filling out a loan application is free and never obligates you to work with Sammamish Mortgage.

Flexibility

Our hybrid online and full-service system lets you choose your loan process without forcing you into one method that works right for us, as many mortgage companies do.

Who is Sammamish Mortgage?

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We proudly serve customers in the Pacific Northwest region. If you’re looking to buy a home in one of these states, we can help!

Transparent Rates and Costs Available 24/7

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Our Reviews

4.9 520 Reviews
4.9 167 Reviews
4.9 102 Reviews
4.6 115 Reviews
Carissa Bowman
January 30, 2026
I found Sammamish Mortgage on Reddit and am so glad I did. Sandra started working on my loan application immediately. She was easy to contact and took time out of her day to explain things to me. I was pre approved faster than I expected! Shelly helped with the underwriting process and was so kind! Like Sandra, she was easy to speak with over the phone. The entire process was very organized and efficient. My APR and closing costs were lower than anywhere else! 10/10 recommendation for Sammamish Mortgage- especially Sandra and Shelly!!
Pandian Palanimuthu
January 27, 2026
Sammamish Mortgage made my refinance process smooth and comfortable. There was no pressure or aggressive negotiation, and the options were explained clearly. Jessica and Tonya were very supportive, responsive, and patient throughout the process. They helped me get a decent deal with comparatively moderate fees when compared to other vendors I checked. Overall, it was a pleasant and trustworthy experience. Thank you!
Cormac Assink
January 27, 2026
Sammamish Mortgage was a great company to work with on buying our first home. The whole process went super smooth. Jessica and Tonya had great communication, they were always fast to respond, and made the whole thing really easy for us. And we got a great rate!
Adriel Supnet
January 14, 2026
Great team. Responsive, quick, and smooth. Will work with again!
Alex Muirhead
January 12, 2026
I received a mortgage on a Condo from Sammamish Mortgage, and I was very impressed with them. They were very helpful and responsive throughout the entire process, making a stressful process very easy for me. I will definitely be recommending them to my friends & family. 5 Stars.
Eric Newman
January 10, 2026
This place helped us with a refinance. Sandra Brown over there has amazing customer service and helped us through the process with amazing support and communication. I have nothing but great things to say about this place from my experience.
Zach Zhang
January 8, 2026
Did a great job refinancing our mortgage despite some complexity to our circumstances

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