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

4.9 454 Reviews
4.9 153 Reviews
4.9 100 Reviews
4.6 114 Reviews
Evan Boudreaux
May 20, 2025
Sammamish was super helpful and made the mortgage process so much easier. Their live rates tool is a game changer. It was so nice that we didn't have to contact them to see the rates and costs for different properties or to check where the rates were at any given time. It saves time for everyone involved and we really appreciated the transparency. Ryan Shane was so nice and explained everything really well. He made time for us and answered all the questions we had. His team was very efficient and quickly gave us approval letters when requested for different properties. Tonya Baney did a great job making sure everything was in place for the loan and was super helpful in explaining everything to us. She was so efficient that we signed the closing paperwork a week early! It was a load of our minds that everything was finished up early and only had to pick up the keys on the actual closing day.
Jonathan Plummer
May 18, 2025
We found Ryan and Barb to be professional, honest, and transparent, with no gimmicks or high-pressure sales tactics. Just as important, we shopped their offer around and found no one would match it. Happy to have found Sammamish and would definitely recommend working with them.
Josh-Jennica Munderloh
May 16, 2025
Amazing team! Great communication throughout the entire process, felt like we were their top priority, would highly recommend!!
Wooldridge Team
May 10, 2025
My husband and I really appreciated the team at Sammamish Mortgage. As first time home buyers, the month of escrow is daunting and highly emotional. Working with Nick and Barb made the process super smooth. Not only were they professional and knowledgable, but provided constant communication so that we as homebuyers had all the facts and checklist items done to make getting our dream home a reality.
A Ansary
April 29, 2025
Found the interactions with Sammamish mortgage reps very professional, and timely. They were very helpful in providing needed information, whether it was during pre qualifying, under writing, in providing closing cost estimates, rate info and options, and also during post offer and closing. Would use them again if need arises.
Brett Clay
April 27, 2025
Our realtor originally connected us with Sammamish Mortgage and we started the process Mark and it turned out to be be a great referral. Soon we were connected with Nick, as our loan officer, and Barb, as the loan processor. Nick and Barb were terrific to work with. Very professional and responsive. It was also easy to do all the application paperwork and documentation online through Sammamish Mortgages website. Would definitely recommend Sammamish Mortgage to anyone looking to buy a new home.
Jenn Reese
April 24, 2025
We cant thank Sammamish Mortgage (Trevor Shane) enough for the incredible job they did securing the best mortgage deal for us! From start to finish, the process was smooth, transparent, and surprisingly stress-freesomething we didnt think was possible when buying a home. They went above and beyond to find the most competitive rate, explained every detail clearly, and were always just a call or message away when we had questions. Their professionalism, expertise, and dedication truly set them apart. Were beyond grateful and would highly recommend them to anyone looking for a mortgage lender who genuinely has your best interest at heart. Thank you for making our home-buying journey such a success!

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