Business Details
34 Years
experience
Your Trusted Mortgage Partner in Bellevue, WA
Sammamish Mortgage, a family-owned and operated company since 1992, has been dedicated to empowering homebuyers in the Pacific Northwest with competitive rates, low fees, and exceptional service. Our in-house underwriting process ensures complete control over loan transactions, eliminating traditional high-pressure sales tactics while maintaining a boutique experience. With a team of mortgage advisors averaging over 15 years of experience, we prioritize client education and tailored loan solutions, leveraging cutting-edge technology to streamline the mortgage process.Our innovative programs, including Cash Buyer and Bridge Loan options, address modern real estate challenges, and our commitment to transparency is reflected in guaranteed closing costs and no hidden fees. Recognized for excellence through an A+ BBB rating and hundreds of 5-star reviews, we combine decades of industry expertise with a client-first approach to deliver reliable, trustworthy service.
Services
Cash Buyer Program
Bridge Loans
Refinance Options
Home Purchase Loans
Jumbo Loans
FHA Loans
VA Loans
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
Investor Programs
Details
- Year established: 1992
Highlights and features
- In-house underwriting ensures faster, more controlled loan processing.
- 24/7 team of mortgage advisors with over 15 years of average experience.
- Guaranteed closing costs with no hidden fees or surprises.
- Tech-forward platform for real-time rate comparisons and document management.
- Innovative programs like Cash Buyer and Bridge Loans to outcompete offers.
Associations and certifications
- NMLS
What people say
Responsive communication
Seamless process
Expert guidance
Competitive rates
Timely support
Services
Cash Buyer Program
The Cash Buyer Program enables homebuyers to make competitive, contingency-free offers by leveraging short-term financing. This program eliminates appraisal contingencies and accelerates closing, allowing buyers to secure properties in competitive markets. By refinancing into a traditional mortgage post-closing, clients gain flexibility and increased offer acceptance rates.
Bridge Loan Financing
Bridge Loans allow homeowners to purchase a new property before selling their current residence. By using equity as a down payment, clients avoid contingent offers and dual mortgage burdens. Sammamishs unique structure considers only the new mortgage for debt-to-income ratios, enhancing qualification potential and streamlining transitions between homes.
In-House Underwriting
In-house underwriting grants full control over the loan process, reducing delays and improving decision-making transparency. This approach ensures personalized service, faster approvals, and tailored solutions, distinguishing Sammamish from third-party reliant lenders while maintaining competitive rates and fees.
Refinance Options
Sammamish offers diverse refinance programs, including no-cost and VA streamline options, to lower rates or access equity. Clients benefit from simplified processes, guaranteed closing costs, and expert guidance to maximize savings or financial flexibility through tailored refinancing strategies.
Home Purchase Loans
Home Purchase Loans cover fixed-rate, adjustable-rate, and government-backed options (FHA, VA) for first-time or move-up buyers. With down payment assistance insights and pre-underwritten approvals, Sammamish ensures competitive terms and seamless transactions in high-demand markets.
People
Ryan Shane
Founder
Ryan Shane leads Sammamish Mortgage with over 30 years of industry experience, focusing on innovative loan programs and client-centric service. His expertise in competitive real estate markets has driven the companys growth and reputation as a top Pacific Northwest lender.
Jessica
Loan Officer
Jessica specializes in guiding first-time homebuyers through the mortgage process, ensuring clarity and confidence. With a decade of experience, she prioritizes responsive communication and tailored solutions for clients across Washington State.
Questions
What mortgage programs does Sammamish Mortgage offer?
We provide fixed-rate, adjustable-rate, FHA, VA, jumbo, cash buyer, bridge loans, and refinance options tailored to your financial goals.
How can I get a guaranteed closing cost estimate?
Our in-house underwriting guarantees closing costs, including appraisal fees and title insurance, when using recommended providers.
Are there 24/7 mortgage advisors available?
Yes, our team of experienced advisors offers support seven days a week for purchase or refinance inquiries.
Can I apply for a mortgage without providing personal information?
Our Instant Rate Quote tool allows you to compare rates and costs without sharing personal details.
What are the benefits of a Bridge Loan?
Bridge Loans let you buy a new home before selling your current one, avoiding contingent offers and dual mortgage stress.
How does the Cash Buyer Program work?
This program enables contingency-free offers by using short-term financing, which refinances into a traditional mortgage post-closing.
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