Jumbo Home Loans in WA State

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

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Do you need a home loan in WA State that is larger than the conforming loan limit? It’s time to apply for a “jumbo loan” to cover the price of your chosen home. Some mortgage companies can’t offer jumbo loans, but at Sammamish Mortgage we offer jumbo and super-jumbo mortgage loans at competitive interest rates. You can get prepared to finance your new home starting now, with a FREE Instant Rate Quote for a jumbo loan that only takes 30 seconds!

Qualifying for a Jumbo Home Loan Is Easier Than You Think

  1. Have a FICO score of 700 (720 in some cases.)
  2. Ensure your debt-to-income (DTI) ratio is solid enough you won’t get over-leveraged.
  3. Show cash reserves on hand (equal to up to one year of mortgage payments.)
  4. Present your full tax returns, W-2s, 1099s, and bank/investment account statements.
  5. Be ready to pay for a second appraisal on request.

Apply for a Jumbo Loan Today

Family-owned since 1992 proudly serves customers seeking homes in WA State. Our Loan Officers are focused on helping you get the loan product for your specific situation. You can start your jumbo 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.

Who is Sammamish Mortgage?

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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

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Our Reviews

4.9 446 Reviews
4.9 149 Reviews
4.9 100 Reviews
4.6 113 Reviews
Dahee Kim
April 14, 2025
When choosing a mortgage lender, the most important factors for me were the best rate, terms, and fast closing. After reading several recommendations on Reddit, I decided to go with Sammamish Mortgage, and Im so glad I did. They offered the lowest rate compared to other lenders and promised to close in just three weeks. We were nervous about whether they could meet the deadline, but Sandra, our loan officer, reassured us with her extensive knowledge and confidence. The better rate gave us more buying power, and the faster closing date made our offer stronger. We worked with Sandra and Barb, who were both super responsive and professional throughout the process. Everything was organized and went smoothly, from start to finish. We closed in exactly three weeks without any issues! If youre looking for a lender that offers competitive rates and a fast closing timeline, definitely add Sammamish Mortgage to your list. Im confident they can offer you the same great experience!
Jacob Lewis
April 11, 2025
We had a fantastic experience with Sammamish Mortgage. Trevor and Gretchen were awesome. They were super responsive and friendly, answered all our questions (we had MANY questions), and helped us close on our house in 17 days. If youre looking for a local lender, Sammamish is the way to go. Highly, highly recommend.
Vaibhav Teli
April 7, 2025
I had a great experience working with Sammamish Mortgage, especially with Jana Byrd. She was absolutely amazingsuper helpful and always willing to go the extra mile. Jana guided me through the entire process and made gathering all the underwriters requested documents feel stress-free. Her professionalism and dedication truly stood out. Highly recommend!
Makinzi Wick
April 5, 2025
Sammamish Mortgage was easy to work with. They were available all hours of the day even on weekends. They were able to answer all of our questions quickly and walk us through the process was so smooth.
Chris Koslin
April 1, 2025
Sammamish has done great work for us through two home purchases. They are well organized, on time, and give you the numbers straight. Their online document upload system makes the process very easy. I would highly recommend using them.
Calista Moore
March 20, 2025
Sandra and Jana were fantastic - super responsive and very helpful in guiding us through the process as were first time homebuyers. Jana dealt with our relatively unique financial picture with ease, giving us clear guidelines along the way so there were no surprises. Plus, the website tool allowing you to view loan details made everything super clear. I absolutely recommend Sammamish Mortgage!
Madhurima Baral
March 20, 2025
Great experience working with them. Attractive rates, very responsive team that is willing to take time to answer any queries. Trevor & Tonya were incredibly helpful throughout the process and proactively walked me through what to expect by when. This one time Tonya was on another call and couldn't get to the phone right away. At that time, the owner, Ryan, personally made sure he called me and that my queries were addressed. Great example of exceptional customer support. Highly recommend!

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