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2024

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Best Mortgage Brokers in Kirkland, WA

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Kirkland Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

35Reviewed

26Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9615 W Melville Rd, Cheney, WA 99004
WebsiteLicense: 2538897

Expertise.com Rating

Review Sources

Zillow
5.0 (142)
Google
5.0 (1)

Why choose this provider?

Stone Ridge Home Loans, PLLC, is a team of mortgage brokers assisting Kirkland individuals in purchasing their dream homes. The team functions as an intermediary, guiding borrowers to suitable loans tailored to their housing requirements. The company offers FHA and VA loans, as well as fixed-rate mortgages, for first-time buyers. Additionally, it works on cash-out and VA loan refinancing, giving clients access to home equity and lower monthly payments. The firm's team has more than 35 years of combined mortgage brokerage experience.

  • Loans
  • VA Purchase
  • VA Refinance
  • Refinance
  • New Construction

4055 Lake Washington Blvd NE #100, Kirkland, WA 98033
WebsiteLicense: 1534892

Expertise.com Rating

Review Sources

Google
5.0 (104)
Zillow
5.0 (22)
Yelp
5.0 (2)

Why choose this provider?

Kevin M. Pennington is a mortgage professional who serves customers in Kirkland. He acts as a liaison between borrowers and lenders and offers a variety of loan options, including FHA, jumbo, and conventional loans. With over 15 years of experience in the financial services and real estate industry, he is equipped with the resources and knowledge to help clients close their applications for loans. He strives to help borrowers make informed decisions by giving them factual and individualized financial advice.

  • Refinance

150 Lake Street S., Suite 250, Kirkland, WA 98033
WebsiteLicense: 2040912

Expertise.com Rating

Review Sources

Zillow
5.0 (12)
Google
5.0 (9)

Why choose this provider?

Bryan Brzeg is a mortgage advisor at Wallick & Volk, the oldest privately held mortgage company in the US and serves the homeownership dreams of the Kirkland community. He assists clients who have mortgage goals such as debt consolidation, first home purchase, property renovation, and refinancing. Brzeg creates financial solutions custom-tailored to each client's individual situation. They have many specialized mortgage programs that include non-warrantable condos, DSCR, bank statement loans, foreign national buyer, ITIN, bridge loans and investment property loans. The agent provides options like fixed-rate or adjustable-rate loans, reverse mortgages, and FHA, VA, and rural development programs. Wallick & Volk is a family-owned business built in 1932 and also serves California, Idaho, and Arizona.

  • Refinance

4020 Lake Washington Blvd NE, Suite 202, Kirkland, WA 98033
WebsiteLicense: 1117007

Expertise.com Rating

Review Sources

Google
5.0 (413)

Why choose this provider?

Fairway Sound handles the mortgage needs of clients in Kirkland and the surrounding areas. It offers a wide range of mortgage loan options, focusing on helping individuals purchase homes suitable for their budget and family needs. These loan options include jumbo, VA, FHA, and conventional. It is also available for reverse mortgage loans for borrowers wanting to cash out their equity and repay their loans using lump sump. Fairway Sound extends its services to Lynnwood, Seattle, Yakima, and Tacoma.

  • Refinance

10415 113th Place NE, Kirkland, WA 98033
WebsiteLicense: 116803

Expertise.com Rating

Review Sources

Facebook
4.9 (33)
Yelp
5.0 (10)
Google
5.0 (1)

Why choose this provider?

Bellwether Lending, Inc., offers client-focused mortgage solutions to real estate professionals, builders, and individual homebuyers throughout Kirkland and the surrounding locations. They provide a variety of financing choices to clients who are acquiring new houses, whether they are first-time homebuyers or seasoned investors. Options include 2/1 buy-down, fixed and adjustable rates, and hybrid mortgages. Annual and monthly ARMs are also available. The company's team likewise appoints a dedicated Mortgage Manager to clients contemplating mortgage refinancing.

  • New Construction

11035 118th Place NE, Kirkland, WA 98033
WebsiteLicense: 744642

Expertise.com Rating

Review Sources

Google
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Golden Heritage Financial specializes in serving seniors in Kirkland who wish to resolve their mortgage matters. The company offers reverse mortgage solutions for homeowners aged 62 and older wishing to use their mortgages to provide funds for various reasons, including medical and home improvement expenses. These reverse programs also allow clients to obtain funds for their vacations, in-home care, and retirement. Golden Heritage Financial also extends its services throughout Oregon. Samy Khoury, one of the company's branch managers, has more than 25 years of mortgage experience.

  • Reverse Mortgage

11241 Slater Ave. NE Suite 100, Kirkland, WA 98033
WebsiteLicense: 36760

Expertise.com Rating

Why choose this provider?

Doug Rubin is a loan originator at DHI Mortage, serving clients in Kirkland and the surrounding areas. He has been helping people purchase homes or refinance their existing mortgages since 2005. Doug connects first-time homebuyers, small business owners, and real estate investors with lenders that match their individual needs and financial resources. He leverages DHI Mortgage's affiliation with D.R. Horton Homes and DHI Title to provide a streamlined loan origination process that protects clients' interests and assets from unforeseen challenges.

  • Refinance

11255 Kirkland Way #100, Kirkland, WA 98033
WebsiteLicense: 179847

Expertise.com Rating

Review Sources

Zillow
4.9 (38)
Facebook
4.8 (25)
Google
5.0 (18)

Why choose this provider?

Lynn Reifert is a loan consultant who has been helping families realize their homeownership dreams for over 20 years. She and her team at Caliber Home Loans assist Kirkland homebuyers in choosing from conventional, FHA, and Smart series programs. Reifert guides clients in navigating the mortgage situation during the loss of a spouse from divorce or death and after bankruptcy or foreclosure. With Caliber as a military-friendly lender, she is equipped to serve the needs of borrowers qualified under VA loans.

  • New Construction
  • Refinance

3933 Lake Washington Blvd NE Suite 300, Kirkland, WA 98033
WebsiteLicense: 811655

Expertise.com Rating

Review Sources

Zillow
5.0 (82)
Google
5.0 (40)
Yelp
5.0 (16)

Why choose this provider?

Adrian Webb delivers mortgage broker services to clients in Kirkland and the surrounding areas. He finances and refinances the purchase of residential assets and works under the Finance of America Mortgage banner. His products are aimed at former renters wishing to upgrade into full-blown owners and military veterans seeking government-backed products. Adrian Webb's web page has educational modules that teach real property investors a variety of topics ranging from the accounting aspects of buying houses to estate planning.

  • New Construction

6620 Lake Washington Blvd NE Suite 302, Kirkland, WA 98033
WebsiteLicense: 67412

Expertise.com Rating

Review Sources

Google
5.0 (35)
Facebook
5.0 (5)

Why choose this provider?

LoanZilla addresses the mortgage needs of individuals in Kirkland and its surrounding areas. It provides home purchase programs, such as VA, USDA, FHA, and jumbo loans. It also offers 15-year, 30-year, and adjustable-rate mortgages. The company provides refinancing solutions, assisting clients in comparing rates and terms. It also evaluates each client's property to help them understand their options. Clint Aguon, the CEO of Loanzilla, has more than 15 years of experience in the real estate industry.

  • Refinance

5209 Lake Washington Blvd NE Suite 220, Kirkland, WA 98033
WebsiteLicense: 43583

Expertise.com Rating

Review Sources

Zillow
4.9 (189)
Google
4.7 (32)
Yelp
3.5 (19)

Why choose this provider?

TriStar Finance Home Loans is a Kirkland-based company that deals with clients throughout the area. It provides mortgage programs backed by government agencies like the USDA and VA. It also offers the FHA 203(k) loan, a way for borrowers to finance the acquisition and renovation of a property with one loan program. The company sets up other programs for first-time homebuyers and real estate investors. Its president and CEO, Seth Raddue, has more than 16 years of experience in the real estate sector.

  • Refinance

4020 Lake Washington Blvd NE #202, Kirkland, WA 98033
WebsiteLicense: 70767

Expertise.com Rating

Review Sources

Google
5.0 (109)
Yelp
5.0 (52)
Zillow
5.0 (28)

Why choose this provider?

The Dan Chapman Team is a mortgage brokerage that delivers various mortgage programs to residents of Kirkland. It provides personalized assistance to first-time homebuyers, business owners, and retirees, helping clients understand multiple loan options and guiding them throughout the loan process. The team offers conventional, jumbo, FHA, and VA loans. Its namesake, branch manager and senior mortgage advisor Dan Chapman, has over 19 years of experience in the lending industry. He is also licensed in California and Colorado.

  • Refinance
  • New Construction

135 Lake Street South, Suite 230, Kirkland, WA 98033
WebsiteLicense: 1761573

Expertise.com Rating

Review Sources

Zillow
4.9 (117)
Google
4.9 (95)
Yelp
4.5 (6)

Why choose this provider?

Home Trust is a Kirkland-based brokerage founded in 2019. It works with numerous lenders to offer different products such as adjustable-rate and fixed-rate mortgages with terms ranging from 10 to 30 years. The company also provides FHA and VA options to customers looking at low down payment options. It runs a closing cost analysis to help first-time homebuyers make decisions. Home Trust’s president, Rich Hunt, is a Kirkland local who has been ranked among the Scotsman Guide’s list of top mortgage originators.

  • Refinance

215 3rd Ave, Kirkland, WA 98033
WebsiteLicense: 1761573

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

15/30 Mortgage provides home financing solutions in Kirkland and nearby areas. Its loan consultants advise and guide home purchase and refinance mortgage borrowers during the underwriting and closing processes. They also help search for the best lenders and packages for clients' individual scenarios. Among the loan products they handle are FHA, VA, USDA, and reverse mortgages. The team reviews clients' present financial situations and purchasing capacity to determine if they are eligible for a loan.

  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Stone Ridge Home Loans, PLLC
9615 W Melville Rd, Cheney, WA 99004
Kevin M. Pennington
4055 Lake Washington Blvd NE #100, Kirkland, WA 98033
Bryan Brzeg
150 Lake Street S., Suite 250, Kirkland, WA 98033
Fairway Sound
4020 Lake Washington Blvd NE, Suite 202, Kirkland, WA 98033
Bellwether Lending, Inc.
10415 113th Place NE, Kirkland, WA 98033
Golden Heritage Financial
11035 118th Place NE, Kirkland, WA 98033
Doug Rubin
11241 Slater Ave. NE Suite 100, Kirkland, WA 98033
Lynn Reifert
11255 Kirkland Way #100, Kirkland, WA 98033
Adrian Webb
3933 Lake Washington Blvd NE Suite 300, Kirkland, WA 98033
LoanZilla
6620 Lake Washington Blvd NE Suite 302, Kirkland, WA 98033
TriStar Finance Home Loans
5209 Lake Washington Blvd NE Suite 220, Kirkland, WA 98033
The Dan Chapman Team
4020 Lake Washington Blvd NE #202, Kirkland, WA 98033
Home Trust
135 Lake Street South, Suite 230, Kirkland, WA 98033
15/30 Mortgage
215 3rd Ave, Kirkland, WA 98033

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.