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2024

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Best Mortgage Brokers in Bellevue, 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 Bellevue Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

43Reviewed

31Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Bellevue, WA
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 wholesale mortgage brokerage serving owners and investors in Bellevue. It offers a wide range of loan options, including VA, FHA, fixed-rate, reverse mortgages, and bank statement programs. Todd Koellen, a designated broker-owner, provides personalized services by explaining and outlining bank loan requirements using his comprehensive experience in the real estate industry. His company has been connecting lenders and borrowers in Washington and Idaho for more than 30 years.

  • Loans
  • VA Purchase
  • Mortgage Brokers
  • VA Refinance
  • Refinance

22525 Southeast 64th Place, Issaquah, WA 98027
WebsiteLicense: 106205

Expertise.com Rating

Review Sources

Zillow
5.0 (32)
Facebook
5.0 (15)
Google
4.0 (14)

Why choose this provider?

Dolan Mortgage Team is a group of mortgage brokers affiliated with HomeVantage Mortgage. The group is based in Issaquah and assists clients nationwide, including those in Bellevue. Its loan officers are experienced in walking clients through a varied array of loan products and services, ranging from USDA and FHA loans to refinancing mortgages and HARP loans. Clients commend the Dolan Mortgage Team's loan officers for their good communication skills and determination in closing the client's mortgage.

  • Refinance

5209 Lake Washington Boulevard Northeast, Kirkland, WA 98033
WebsiteLicense: 43583

Expertise.com Rating

Review Sources

Zillow
5.0 (128)
Google
4.0 (24)
Yelp
3.0 (18)

Why choose this provider?

Established in 2006, TriStar Finance is a full-service mortgage firm serving clients in Bellevue. It offers a wide range of loan options, including jumbo, USDA, FHA, and VA loans. Its president and CEO, Seth Raddue, has been in the mortgage industry for over 19 years, specializing in purchasing, refinancing, and investment loans. As an independent company, Raddue and his team personally underwrite, fund, and control the loan process. Moreover, the company has an accessible website containing tools such as a mortgage calculator.

  • Refinance

301 116th Avenue Southeast, Bellevue, WA 98004
WebsiteLicense: 123961

Expertise.com Rating

Review Sources

Zillow
5.0 (57)
Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

American Pacific Mortgage operates as a mortgage refinancing company serving Bellevue residents and the surrounding areas. The company provides home-buying options for any first-time homebuyer or seasoned investor. Its loan officer, Kenton Becker, works with clients to help them select a suitable finance package for their situation. American Pacific Mortgage offers a variety of loan programs, such as conventional, jumbo, FHA, and VA loans. It also features an affordability, mortgage, and refinance calculator that helps clients decide on a mortgage option.

  • Reverse Mortgages

18613 103rd Avenue Northeast, Bothell, WA 98011
WebsiteLicense: 389424

Expertise.com Rating

Review Sources

Zillow
5.0 (50)
Facebook
4.0 (16)
Yelp
5.0 (4)

Why choose this provider?

Archstone Home Mortgage, LLC, is a full-service mortgage financing company that caters to the needs of Bellevue homebuyers and nearby communities. The firm assists borrowers in searching for the right residential loan in the market. Its mortgage brokers represent multiple lenders and provide a variety of home loan options for clients, such as conventional fixed-rate, ARM, Jumbo, FHA, VA, and Reverse mortgage plans. The company also provides mortgage refinancing options to existing homeowners. The company is a certified Equal Housing Opportunity provider.

  • Refinance

8129 Lake Ballinger Way, Edmonds, WA 98026
WebsiteLicense: 115349

Expertise.com Rating

Review Sources

Facebook
5.0 (35)
Yelp
5.0 (32)

Why choose this provider?

Dan Keller is a mortgage advisor and branch manager at CrossCountry Mortgage. Keller aims to help with the home financing needs of individuals and families in Bellevue, Edmonds, and the surrounding areas. As a mortgage professional, he assists in the whole home buying process. Keller and his team discuss different homebuying factors, including credit score, investment, down payment, and mortgage. They also offer various purchase loan options, such as FA mortgage and USDA zero-down loan programs.

  • Refinance

8526 164th Street Southeast, Snohomish, WA 98296
WebsiteLicense: 1850

Expertise.com Rating

Review Sources

Google
4.0 (90)
Yelp
4.0 (17)

Why choose this provider?

Crane Financial Group aids in finding mortgage loan options for clients in Bellevue. It assists buyers in exploring fixed or adjustable rates and loan programs such as conventional, FHA, VA, USDA, Freddie Mac, and FNMA mortgages, as well as reverse mortgages for older homeowners. It also offers products like jumbo, conforming, purchase, and refinancing loans, serving both homeowners and investors. Crane Financial Group is a family-owned and operated business that has over 50 years of industry expertise.

  • New Construction
  • Refinance

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

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Yelp
5.0 (9)

Why choose this provider?

Located in Kirkland, Bellwether Lending Inc. is a family-owned brokerage firm that caters to clients in Bellevue. It helps builders, real estate professionals, and individual homebuyers seeking to obtain loans. The company offers a variety of loan programs including home purchase and construction mortgage loans. It also handles 15-year and 30-year fixed-rate mortgage, as well as 2-1 buydown, monthly, and annual adjustable-rate mortgages. Bellweather Lending also provides a mortgage manager service for loan refinancing clients.

  • Refinance

4055 Lake Washington Boulevard Northeast, Kirkland, WA 98033
WebsiteLicense: 111356

Expertise.com Rating

Review Sources

Yelp
5.0 (53)

Why choose this provider?

Mike The Money Man serves residents in Bellevue and the surrounding communities with its residential loan programs. It assists first-time homebuyers and individuals looking to refinance their homes. The company also provides continued support throughout the complicated mortgage process, from initial consultation to final funding. In addition, Mike The Money Man has been dealing with financial solutions in the mortgage industry for more than 20 years. Owner Michael Carpenter works for Washington First Mortgage Loan Corp. as an NMLS-certified mortgage loan originator.

  • Refinance

6620 Lake Washington Boulevard Northeast, Kirkland, WA 98033
WebsiteLicense: 67412

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

LoanZilla is a company of mortgage specialists that helps clients in the Bellevue metro look for viable financing options for new home purchases and mortgage refinancing. The company was formed in 2006 and is composed of certified loan specialists and real estate finance experts with decades of industry experience. The firm offers various loan programs and refinancing options, such as fixed and adjustable-rate mortgages, government loans, jumbo loans, and reverse mortgages. LoanZilla is NMLS certified and a member of the Better Brokers Network.

  • New Construction
  • Refinance

225 108th Avenue Northeast, Bellevue, WA 98004
WebsiteLicense: 3182

Expertise.com Rating

Review Sources

Zillow
5.0 (28)
Facebook
5.0 (11)
Google
4.0 (6)

Why choose this provider?

Zender The Lender is a local mortgage lender that serves clients located in Bellevue. The company offers various loan options for homeowners and homebuyers, including FHA, VA, USDA, conventional, and jumbo loans, as well as cash-out refinancing. The mortgage team is led by vice president and regional manager Don Zender, who has 10 years of experience working as a CPA before entering the mortgage industry. Zender has closed more than $2 billion in home loans.

  • Refinance

22722 29th Drive Southeast, Bothell, WA 98021
WebsiteLicense: 268552

Expertise.com Rating

Why choose this provider?

Based in Bothell, Thrive Mortgage offers its services to individuals in the Bellevue area. It helps clients throughout the home loan process and educates them on the differences between the different loan programs by comparing the terms and interest rates. Some of the loan options that Thrive Mortgage provide are construction loans, 15-year fixed mortgages, 30-year fixed mortgages, adjustable-rate mortgage, reverse mortgage, VA loans, and jumbo loans. Carl Self, a branch manager at the company, has over 30 years of experience in the mortgage industry.

  • Refinance

555 South Renton Village Place, Renton, WA 98057
WebsiteLicense: 115042

Expertise.com Rating

Review Sources

Yelp
5.0 (49)
Google
5.0 (2)

Why choose this provider?

Keane Ng is the regional manager of CrossCountry Mortage in Renton that provides residential financing solutions to residents of the Bellevue metro. He has over 14 years of experience helping clients secure the best loan option for their home financing and mortgage refinancing needs. He is committed to helping clients from application to closing and is focused on making the experience stress-free. He has a track record of successfully closing conventional, government, and jumbo loans for clients.

  • Refinance

7225 Northeast 149th Place, Kenmore, WA 98028
WebsiteLicense: 101918

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Facebook
5.0 (2)

Why choose this provider?

Josh Kostelyk is a loan originator at All City Mortgage LLC, which serves clients in Bellevue. He specializes in offering conventional mortgage loans, FHA home loans, VA home loans, USDA home loans, USDA loans, and mortgage refinancing. Josh is also an independent mortgage broker with direct access to various lending institutions, which helps him secure mortgage loans that meet the specific needs of his clients. He has 15 years of experience in the mortgage industry.

  • New Construction
  • Refinance

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Stone Ridge Home Loans, PLLC
Dolan Mortgage Team
22525 Southeast 64th Place, Issaquah, WA 98027
TriStar Finance
5209 Lake Washington Boulevard Northeast, Kirkland, WA 98033
Kenton Becker
301 116th Avenue Southeast, Bellevue, WA 98004
Archstone Home Mortgage, LLC
18613 103rd Avenue Northeast, Bothell, WA 98011
Dan Keller
8129 Lake Ballinger Way, Edmonds, WA 98026
Crane Financial Group - Snohomish
8526 164th Street Southeast, Snohomish, WA 98296
Bellwether Lending, Inc.
10415 113th Place Northeast, Kirkland, WA 98033
Mike The Money Man
4055 Lake Washington Boulevard Northeast, Kirkland, WA 98033
LoanZilla
6620 Lake Washington Boulevard Northeast, Kirkland, WA 98033
Zender The Lender
225 108th Avenue Northeast, Bellevue, WA 98004
Thrive Mortgage
22722 29th Drive Southeast, Bothell, WA 98021
Keane Ng
555 South Renton Village Place, Renton, WA 98057
Josh Kostelyk
7225 Northeast 149th Place, Kenmore, WA 98028

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.