Conventional Home Loans in WA State

Avoid high fees. Our Highly Experienced Loan Officers are paid to advise and educate vs. pressure to close. $0 Lender Fees

4.9
500+
Apply Now Free Rate Quote

Do you need a conventional home loan? It’s time to apply for a mortgage so you can make a solid offer on your chosen home. At Sammamish Mortgage we offer conventional home loans at competitive interest rates. You can get prepared to finance your new home starting now, with a FREE Instant Rate Quote for a conventional home loan that only takes 30 seconds!

Basics of Qualifying for a Conventional Home Loan

  1. Check your credit report and iron out any inaccuracies.
  2. Ensure your debt-to-income (DTI) ratio is solid.
  3. Show cash reserves on hand to cover your down payment and closing costs
  4. Present your up-to-date financial and employment documentation.
  5. Be prepared for things to move fast once your offer is accepted.

Apply for a Conventional Home Loan Today

Family-owned since 1992, Sammamish Mortgage is a Bellevue, WA, based mortgage company that proudly serves customers seeking homes in the Pacific Northwest. Our Loan Officers are focused on helping you get the best loan product for your specific situation. You can start your conventional loan application online using any connected mobile device to select your desired loan product, get a free instant rate quote, and upload your documentation through our secure portal. Questions? Contact us to speak to an experienced loan professional 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 best for us, as many mortgage companies do.

The Sammamish Mortgage Difference

Innovative programs and strategies you need to get offers accepted in today’s competitive house market.

Sammamish Mortgage vs. the Competition
Compare over 20 banks, lenders and investors from our network in seconds
No lender fees or junk fees
In-house underwriting
Real-time custom rates and costs available online 24/7
Our team of loan officers are on call 7 days a week
Underwritten Pre-approvals
Close in 3 weeks or less
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Apply
Mortgage Brokers
Sometimes
Rarely
No
Rarely
Sometimes
No
Sometimes
Rarely
Big Banks
No
Rarely
Rarely
Rarely
No
Sometimes
No
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
No
Rarely
Rarely
Rarely
Sammamish Mortgage vs. the Competition
Sammamish Mortgage
Mortgage Brokers
Big Banks
Online Lenders
Compare over 20 banks, lenders and investors from our network in seconds
Sometimes
No
Rarely
No lender fees or junk fees
Rarely
Rarely
Sometimes
In-house underwriting
No
Rarely
Rarely
Real-time custom rates and costs available online 24/7
Rarely
Rarely
Sometimes
Our team of loan officers are on call 7 days a week
Sometimes
No
No
Underwritten Pre-approvals
No
Sometimes
Rarely
Close in 3 weeks or less
Sometimes
No
Rarely
Bridge Loans and Cash Buyer Programs
Rarely
No
Rarely
Apply

Who is Sammamish Mortgage?

Watch video

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

Apply Now

Our Reviews

4.9 376 Reviews
4.9 119 Reviews
4.8 91 Reviews
4.6 107 Reviews
Jason A.
May 8, 2024
Tremendous! The Sammamish team was exceptional, in terms of communications and management of expectations. The technology for uploading and reviewing and signing documents is the best I've experienced. The whole process was clear and easy. Thank you!
Edward Shim
May 2, 2024
We had a great experience with Sammamish! We shopped multiple lenders (NavyFed, Rocket, Envoy) and Sammamish had the most competitive rates. Ryan was very helpful and approachable for me as a first-time homebuyer and we will definitely use them in the future for our home lending needs.
M M
May 1, 2024
My realtor was hearing great feedback from her clients, and she recommended that I reach out. I was just like you searching which lender to go with. Then you are in the right spot! They provide the best rates and service. Since the townhouse that I purchased was a new construction home, my process was complicated. But they were always there for you to clearly communicate. Ryan, Barb and all the staff members were so nice, knowledgeable, reliable, and professional. I really like that their website offers a tool to check rates timely. The end-to-end process for closing was very quick and smooth. I will go back to Sammamish Mortgage if I have another opportunity.
Ryan Lee
April 30, 2024
Shoutout to Barb for helping us close by the end of April. Appreciate the team and their competitive rates.
Isaac L.
April 16, 2024
I had a great experience! The staff was very friendly and walked me through the entire process, answering my questions as they arose. They were quick to respond and moved quickly through the closing process, which was accelerated for my home purchase.
Christopher J.
April 16, 2024
This is my third time using Sammamish Mortgage to secure a home loan. Theyre always professional, fast and provide a smooth process for the customer. Ryan (and team) go above and beyond to ensure you have the right information to make informed decisions to maximize your loan and reduce costs and interest rates.
Amy L.
April 13, 2024
First class! We had a complicated situation to close but Sandra and Jana worked diligently to close just a day late.

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