Washington Home Mortgage Process with Top Professionals


Proudly Servicing the greater Seattle area and beyond

In 1992 when Harley Shane opened his doors for business, he did so with a simple idea.  His vision was to provide honest and accurate home mortgage guidance to prospective home buyers and real estate investors. Since the early 90s he continued to build his business based on referrals from past clients and business partners.  Still Family Owned and Operated today; It is with a deep sense of pride and integrity that we continue his legacy lead by the number 1 Loan Originator in the Pacific Northwest.

Application Process

We made the application process as intuitive and comfortable as possible. We’ve combined cutting edge technology with advice from our industry leading staff to create an application process that makes the way enjoyable. Easily access the application and a wide range of helpful tools from any from any device or Stop by for a friendly visit with one of our highly experienced mortgage professionals. Are you looking for sound home mortgage advice? Would you like to get pre-approved for a home loan or request a free mortgage rate quote? We can help. 

Tools & Resources 

As a Seattle Based leader in the home mortgage industry, we know how much today’s consumer values the ability to do a little research from the comfort of their own space. Sammamish Mortgage has created a wide range of practical tools and resources to help you easily understand current mortgage rates, monthly payment plans, and valuable tips and insights about the type of loans available. 

Are you curious about the rates? In any vibrant real estate market, the financing can change rapidly; it’s good to stay informed. Subscribe today to receive free real time instant rate quotes, or sign up for Rate Tracker. Let Sammamish Mortgage track the rates for you, and we will notify you when they hit what you’re looking for. No junk mail, we’re just here to provide accurate information. You set the frequency and receive real time rates; it’s as simple as that.

Sometimes it can be hard to visualize just how a mortgage works in terms of time and amount due. We put together a helpful Mortgage Calculator that not only shows your monthly payment, it breaks everything down with a handy amortization schedule; illustrating the “life” of your loan with an easy to read diagram that gives the loan balance and due dates over the term of the home mortgage.

Generate Free Automated Property & Neighborhood Reports. Are you curious about a specific neighborhood, or would you like to get an accurate snapshot of your current property’s value? Sammamish Mortgage provides Homebot. Chart your course with this convenient resource, to get all kinds of useful information. Get an idea of when it might be a good time to refinance from a dollars and cents perspective. Understand PMI, and when you can drop it. Calculate the power of extra principal payments. From neighborhood and property reports, to your current home wealth, Homebot can assist.  

We also publish a practical eBook and regular mortgage blogs filled with informative details about the specific cities you may be looking to purchase in. We uncover and provide accurate market information so you can stay informed about your investment. 

A well-educated consumer is the best kind, and markets differ across the state. As a Family Owned and Operated Seattle mortgage company, no one knows the Seattle’s “East Side” like Sammamish Mortgage. Looking for a place to start your dreams in Tacoma, Spokane or Vancouver? We’ve been educating homebuyers on what to expect from the Washington State home mortgage market for over 25 years.

Loans Offered

With over 25 years in the home mortgage industry, we’re happy to share their proven professional expertise and experience with literally dozens of loan programs; here are a few of our more popular programs.

Conforming/Non conforming

Conforming home mortgage loans fall in line with funding limits and requirements set by the FHFA, Fannie Mae and Freddie Mac. Any home mortgage that doesn’t fit into those requirements is known as a non-conforming home loan. Jumbo loans are a popular option for well-qualified buyers who wish to exceed conforming price limits.  There are many non-conforming programs that allow opportunities to purchase the home that’s right for you.


A leading mortgage broker in the Pacific Northwest we are proud to offer a number of federally insured home mortgages. With an FHA (Federal Housing Admin) loan you can reduce your down payment and find the home that’s right for you. There are no geographic restrictions, and generous loan limits allow a lot of freedom to choose.  For folks who live in some of the more remote areas of Washington State, a USDA (United States Department of Agriculture) loan may be right for you. As long as you reside within the designated rural area, and meet income requirements, funding can be secured for the purchase or renovation of your home. For current and former members of the armed forces, VA (Vetteran’s Administration) home mortgages offer some perks like 100% financing to the folks that deserve it the most.

Bridge Loans 

As a Bellevue based independent mortgage lender, we have partnered with a venture capital group to provide bridge loans to offer stronger financial options for an increasingly competitive Washington State real estate market. Specially created for buyers in Oregon, Seattle and the rest of Washington state, this unique program provides the buyer with a stronger offer when the time comes. With more flexible income to debt ratios, bridge loans offer security, allowing more time for your current home to sell while you move. Contact us if you think a bridge loan might work for you

Other Home Mortgage Options We Offer include…

  • Conforming 30 year fixed rate 
  • Conforming Adjustable Rate Mortgage (ARM)
  • High Balance Conforming/Non-Conforming Jumbo (Fixed/ARM)
  • VA Jumbo
  • VA Streamline
  • Interest Only
  • Home Possible 3% Home Loan
  • Home Equity Line of Credit
  • Fresh Start Home Mortgage Program
  • Foreign Nationals
  • Investment Property Financing
  • Second Home Mortgages
  • Multi-Family Housing 

Whether you’re looking for guidance in financing your starter home or your ready to secure a jumbo loan for your dream home, you’ve come to the right mortgage company. We are pledge to make your home loan transaction the exciting and enjoyable experience it should be.