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Best Mortgage Brokers in Bellingham, WA

Our Recommended Top 3

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



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

4164 Meridian St #108, Bellingham, WA 98226
WebsiteLicense: 1562598 Rating

Review Sources

5.0 (2)

Why choose this provider?

Brandi Braley serves the real estate needs of investors and homebuyers in the Bellingham area and nearby locations. She offers mortgage assistance to families and individuals to help them obtain their dream investment properties. She processes different types of mortgage programs, such as VA, FHA, section 184, conventional, reverse, and jumbo loans. The professional also guides borrowers in creating refinancing strategies to consolidate debts and reduce interest rates. Braley has been a loan advisor at Neighborhood Mortgage since 2017.

  • Reverse Mortgages
  • Refinance

4164 Meridian Street #108, Bellingham, WA 98226
WebsiteLicense: 62776 Rating

Review Sources

4.9 (38)
5.0 (33)
4.0 (4)

Why choose this provider?

Neighborhood Mortgage is a locally owned company based in Bellingham. Its team guides individuals and families in choosing loan programs that fit their financial goals and home needs. One of the loan programs it offers includes USDA, which allows clients to purchase residential properties in rural areas without down payments and monthly insurance fees. Its other loan options are VA for military veterans and reverse mortgage for individuals aged 62 and older. Neighborhood Mortgage also provides online mortgage tools for clients wishing to apply for loans virtually.

  • Refinance

112 Prospect Street, Bellingham, WA 98225
WebsiteLicense: 111765 Rating

Review Sources

5.0 (118)
5.0 (30)
5.0 (23)

Why choose this provider?

The Marie Bjornson Mortgage Team offers its programs to clients of the Fairway Independent Mortgage Corporation in Bellingham. Bjornson leads her staff in providing applicants with various mortgage options like conventional, VA, and USDA loans that are tailored to suit their financial goals. She utilizes her expertise as a Certified Public Accountant to educate each client on marketing trends, analyze interest rates, and evaluate credit histories. Her firm also provides custom loaning choices for medical professionals who seek to purchase properties or fund educational endeavors.

  • Refinance
  • New Construction

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Brandi Braley
4164 Meridian St #108, Bellingham, WA 98226
Neighborhood Mortgage
4164 Meridian Street #108, Bellingham, WA 98226
Marie Bjornson Mortgage Team
112 Prospect Street, Bellingham, WA 98225


  • 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.