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Sammamish Mortgage
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Today Closed
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Sammamish Mortgage

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There are a few snags that can make your mortgage application way harder than it has to be. See if one of these could affect you.

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It’s no secret that interest rates on home refinances are lower today than they have been for years. There are, however, two kinds of mortgage refinance available. Find out which one best suits your needs.

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Sammamish Mortgage

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Adjustable rate mortgages, or ARM loans, may fit some borrowers' needs depending on their personal timelines.

Read our newest blog to find out whether an ARM loan is right for you, and when it would be a good time to get one.

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Being mortgage-free has a strong appeal. Here are some tips to help you accomplish that goal, and some specific strategies to pay off your mortgage ahead of schedule.

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Freddie Mac tracks average mortgage rates. Their most recent report notes that average rates have dipped to 3.57%, a three-year low for 30-year mortgages.

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Sammamish Mortgage

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Your success in buying and selling a home depends on making a good plan. Here are the steps you should take to make the best possible move up purchase.

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Sammamish Mortgage

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The impound account—also called an escrow account—is money you deposit with the lender for the future payment of taxes and insurance.

Read more to find out what this can mean for you.

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There was a time when getting a mortgage was easy—even for an entrepreneur. Lenders were willing to take the borrower’s word for how much money they made: “stated income” loans, requiring very little documentation.

Today, underwriters insist on documenting every penny of a borrower’s income. Many self-employed people take every advantage of legal business write-offs, and this has complicated the mortgage application process.

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When rates drop after you get a VA loan, you can refinance into a lower rate using a VA Interest Rate Reduction Refinance Loan (IRRRL).

Learn more about the IRRRL in our recent article.

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What if you find that your property hasn’t appreciated enough equity for a large down payment on your dream house? Are you out of luck?

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Current standards for conventional loans only call for a FICO score of 620 or higher. Find out where you stand, then let us help you take steps to accomplish your goal.

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How can mortgage companies claim to give you a refinance with “no cost?” They must be making a profit somewhere; but where? And how?

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Contact Information
Map of the business location
3015 112th Ave NE #214 Bellevue, WA 98004
3015 112th Avenue Northeast #214USWashingtonBellevue98004
(425) 401-8787sammamishmortgage.com
Mortgage Lender, Mortgage BrokerToday Closed
Sunday ClosedMonday 9AM–5PMTuesday 9AM–5PMWednesday 9AM–5PMThursday 9AM–5PMFriday 9AM–5PMSaturday Closed

Sammamish Mortgage is family owned and operated and has been serving the Pacific Northwest with excellence since 1992. We have kept up with the times though, and we make sure to do what we can to lead the industry both in local and national trends. We are constantly researching the market, among other things, and doing what we can to inform you with our weekly articles, which talk about everything from upcoming trends for mortgages all the way to smart choices in kitchen remodeling. You can also check in on our market commentary and market news pages to keep up with everything in the mortgage industry. Sammamish Mortgage has worked with hundreds of clients since we opened our doors in 1992 and we have done everything we can to make sure that when our business with them is finished they are 100% satisfied with our performance; and if you need some reassurance about that, just go ahead and check out all of our client reviews. Our clients come from all over the Pacific Northwest, and we happily accept business from residents of multiple states, including Alaska, Colorado, Idaho, Montana, Oregon, and Washington of course. If it has anything to do with mortgages, like buying your first home, taking out a loan to start your business, or refinancing, we have a solution for you.

We are a referral based Seattle mortgage company located on the Eastside and blessed by an abundance of positive word of mouth referrals from our happy clients and trusted business partners.

Visit our site today to get a quick quote, fill out an application, use our rate alert to find the perfect rate for you, or use one of our online mortgage calculators to estimate your monthly payment given a certain mortgage.

If you have any other questions, feel free to use our contact form or call us at 425-401-8787 any time, and we’ll either answer right then or get back to you as quickly as we can.

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4.5
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1 review
"We closed on 5/26 and never felt that Sammamish would delay our closing dates."
"Sometimes common sense isn't so common."
"Loan process went really smooth."
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Jennifer Winn's profile photo
Jennifer Winn
in the last week
I used Sammamish Mortgage for a re-fi. It was a quick and simple process with almost everything done online. They were also very quick to respond to emails when I had questions. It's great their website also posts rates and it's easy to see various options based on my credit score. I don't live near Sammamish, so the title company sent a notary to my house for final signing. Super easy! I highly recommend Sammamish Mortgage.
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Predrag Nikolik
3 months ago
It was an excellent experience. Team at Sammamish Mortgages are very helpful, explained the process very clearly and followed us on the smooth path to getting home loan. Highly recommended !
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Vj Wkl
a year ago
Working with Michael Shane at Sammamish Mortgage was a fantastic experience. Being a woman and of color, at times, I am sometimes (inadvertently.?) talked down to and left with my questions hanging in the air as if unimportant or nagging. How a business question can be misconstrued as unimportant is uncertain. This is why working with Michael at Sammamish has been a breath a fresh air. I asked many questions and when in doubt, I'd ask them in a different fashion in order to ensure that I had a fundamental understanding of the process of which I was engaging, the numbers I was crunching, and the documents I was signing. As a Stay at home Mother, I do all of the personnel scouting, interviewing, hiring and firing of contractors and businesses for the household. My husband simply does not have the time. It truly was a refreshing experience to be seen as a client instead of a "spouse" of the client. There were no "let me talk to your husband", "call me and let me know what your husband says", etc. statements. If anything, Michael was patient and understanding of my time and my husband's time. He understood that if I was unable to answer the phone it was because my hands were tied up. Common sense, right? Sometimes common sense isn't so common. There have been times where business people have asked me, with an expectant edge, why I didn't answer the phone. As a SAHM I am running a household, have been remodeling, and trying to keep children & pets safe. With Michael, there was never any pressure to sign or go with Sammamish. Everything was out in the open, clear and cut & dry from the start. This is they type of business I will recommend to my friends for years to come. Thank you Sammamish Mortgage and of course, thank you Michael Shane for a stellar job.
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Chae Raybern
8 months ago
Working with Michael's team at Sammamish Mortgage was great experience over all! They are great with time-lines and courtesy to help me what plans and goal I have in mined. I'll definitely recommend these guys over any banker.
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sharath kumar HC
3 weeks ago
Working with Sammamish Mortgage has been amazing experience. Ryan and Betty closely worked with us starting day one. They were on top of everything that needs get us closed on time. We closed on 5/26 and never felt that Sammamish would delay our closing dates. Loan process went really smooth. Closing cost almost matched with what was promised in the estimated cost.I would strongly recommand everyone and would get back to them for any future needs. Overall I am 100% satisfied. Special thanks for Ryan and Betty for being patient and answering all our questions since it was our first purchase. One feedback: If lender could release the final loan documents to ESCROW well in advance we would get enough time for reviewing documents just before closure sign. We received a day to go through bunch of final closure loan documents.
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Alisa Shtromberg
11 months ago
We had a very rough time with our house search and so of course we were already at very high stress levels. However, Jeanne along with her team at Sammamish made our experience as smooth as possible. She was incredibly knowledgable and most importantly very communicative! She explained every step of the process and was great about answering all our questions. And not only was the process of securing the loan made smooth for us, but we also got the best rates when we were comparing all around! AND we closed a week early because the financing was done so quickly! I would recommend Sammamish to all my friends and family and will go back there for all our financing needs in the future!
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Timothy Siegel
a year ago
I also inquired at a big national mortgage lender, that advertises heavily on TV, at the same time I contacted Sammamish. What an incredible contrast! The big firm offered a much worse deal and their representative was very obnoxious, as well. The big lender's rep did that salesman's thing where before you have said that you want to get any service from them, they ask, "Do you want A or B?" Like I'm going to fall for that. Micheal Shane, of Sammamish, explained the loan process to me thoroughly and in an understandable manner. Even though all the mortgage lenders were being crushed by a huge influx of business caused by low interest rates, Sammamish was timely. They were always pleasant to work with. Don't send your business to one of the big national advertising lenders - much better to go local with an outfit that does not have to charge more to cover some huge advertising budget and that has been in business long enough to get the process down to a science..
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James Demma
a year ago
Poor execution on their part. Multiple mistakes on their part were discovered by luck right before my closing date. To their credit, they did work quickly to fix the issues and my closing occurred as scheduled. Were this the end of it, I would not have bothered to write a pessimistic review. At closing, I discovered that they had structured the closing in such a way that I was unable to fully take advantage of the seller's closing cost concession. And now in an issue related to that, I am just now discovering that they completely botched my escrow accounting for closing. Now my monthly payment is increasing $100 per month to account for a reserve shortage, and I have to pay one half of my property taxes, amounting to $1700, out of pocket because they didn't account for it at closing. "But you'd have to pay the taxes and reserve shortage at closing anyway" one might say. That's true, but if they had done it correctly that way in the first place, I would have been able to take full advantage of the seller's closing cost concession, and saved money in the long run. It was basically just one mistake after another with these guys. Be prepared to double check every thing they do, if you choose to go with them. Update 2/25/15 I'm changing my review from two stars to one. They just sent me a tax document in the last week of February. Federal due date according to IRS is Feb 2nd. Now I have to file an amended tax return. Thanks Sammamish. Stay away from these incompetent clowns.
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