Conventional Home Loans in WA State

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

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 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 right 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 Underwriting – No Processing – No Administrative 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
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Apply
Mortgage Brokers
Sometimes
Rarely
No
Rarely
Sometimes
No
Rarely
Big Banks
No
Rarely
Rarely
Rarely
No
Sometimes
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
No
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 Underwriting – No Processing – No Administrative 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
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

4.9 421 Reviews
4.9 119 Reviews
4.8 91 Reviews
4.6 107 Reviews
Conn Clark
December 18, 2024
Sammamish Mortgage was wonderful to work with. Trevor and Barb did an excellent job of guiding me through the loan process and getting me approved. If I need to get another loan I will definitely use them again.
Eti Shechtman
December 2, 2024
Sammamish Mortgage provide exceptional service! The team is fast, proactive, and attentive to every detail, making the entire mortgage process smooth and stress-free. Their friendly and knowledgeable approach made us feel supported at every step.
Mike Tucker
December 2, 2024
Shelly and her team went above and beyond to help us close on our house within a very tight timeline. I thought their rates were too good to be true, but they indeed made it happen without any surprise fees along the way. Highly Recommended!
Ankita Pal
November 29, 2024
We truly appreciate the seamless experience provided by the Sammamish Mortgage team. We were nervous first home buyers. The patience that Ryan and Jana showed in addressing our queries and ensuring we understood each step was invaluable. It made the entire process much smoother and more reassuring for us. We will certainly recommend Sammamish Mortgage to friends and family who might benefit from your expertise.
Austen Stone
November 26, 2024
Working with Ryan and team was a pleasure - I only knew a small amount about the refinance process and the factors involved and the entire team was very patient with my questions! I would definitely recommend them to anyone looking for a mortgage
Vlad Krupin
November 25, 2024
Prompt, diligent. Our experience was smooth and without hiccups. And - importantly - the rates are hard, if not impossible to beat.
Nick Koveshnikov
November 18, 2024
Very professional and easy to work with company. We refinanced my mother's house with Sammamish Mortgage and they were very clear about the process, helpful in guiding our family through the process, and focused on making the process easy and convenient for us at every step. Have already been highly recommending SM to my friends and coworkers.

More Online Tools That Matter

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Get Started by Sammamish Mortgage — no application fee, and no pressure to close.
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Get a Free Rate Quote

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Refinance Calculator

Discover how much you can save or cash out by refinancing your mortgage, and what it will cost you to refinance today.
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Mortgage Calculator

Plan for your future by estimating your home cost, interest rate, and monthly payment before you start househunting.

Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

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