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

4.9 440 Reviews
4.9 146 Reviews
4.9 100 Reviews
4.6 113 Reviews
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!
Cwhets
March 12, 2025
Im very happy with my experience with Sammamish Mortage. You made the process quick and seamless. I felt taken care of and confident that I was doing the right thing.
Matthew Kim
March 11, 2025
exceptional service and communication, fast, great rates, the best mortgage process anywhere
Phil
March 6, 2025
We had a great experience with the Sammamish Mortgage. They were very responsive and were able to get us much lower rate than major banks. Overall process was very transparent and quick. Once of the best companies we had experience with
Caitlyn Bush
March 6, 2025
I have now used Sammamish twice for home purchase through the years. They are fantastic. Their rates have beaten everyone else that I had spoken too, and they made the process so streamline. Our house just closed and out of everyone involved they were the most helpful and on the ball.
Todd Plucknett
March 5, 2025
Ryan Shane and Sammamish Mortgage were an invaluable help for me as a first time buyer! The team there is incredibly thorough and upfront about everything. Even though the whole process can be overwhelming, the constant communication and guidance from them makes it seem a lot less daunting. They truly seemed to take interest in us as people and not just as clients. The small business approach enables them to get us the best rates, and the working relationship they have with other entities like insurance brokers makes it a seamless process.
Gayatri Budwal
February 22, 2025
Ryan from Sammamish Mortgage went above and beyond our expectations. He made us feel at ease and came up with some excellent suggestions. He is absolutely one of the best in the business!!!

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