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Best Mortgage Brokers in Kent

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Accelin Loans LLC logo
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License Verified:

License: 1574660

Nationwide Multistate Licensing System and Registry

Accelin Loans LLC

19125 North Creek Parkway, Suite 104, Bothell, WA 98011
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  • Refinance

Business Description

Accelin Loans LLC provides mortgage services to clients in Kent and the surrounding areas. The company assists individuals in applying for mortgage loans to help them purchase their desired homes or residential properties that meet their financial goals. These mortgage loans include FHA, VA, jumbo, and cash-out home loans. It also guides clients in choosing loans that suit their needs by offering mortgage refinancing services. Accelin Loans LLC is also available to serve clients in Oregon and Colorado.

License Verified:

License: 1574660

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (42)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Blue Square Mortgage logo
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License Verified:

License: 111438

Nationwide Multistate Licensing System and Registry

Blue Square Mortgage

4212 33rd Ave West, Seattle, Wa 98199
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  • Refinance
  • Purchase

Business Description

Blue Square Mortgage is an independent mortgage brokerage that assists borrowers in Kent and the surrounding areas. It offers an extensive range of loan programs that include conventional loans, adjustable-rate loans, poor credit loans, state income loans, and investment loans. It also provides its services to first-time homebuyers and tailors FHA, VA, and local loans to their needs. Blue Square Mortgage was founded by Mike Peacore in 2002. He has over 25 years of experience in the home loan industry.

License Verified:

License: 111438

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (51)
Yelp
5.0 / 5 (12)
Facebook
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Caliber Home Loans logo
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License Verified:

License: 15622

Nationwide Multistate Licensing System and Registry

Caliber Home Loans

20829 72nd Avenue South, Kent, WA 98032
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  • Refinance

Business Description

Caliber Home Loans is a mortgage brokerage firm serving clients in Kent and the surrounding areas. The company was established in 2008, operating in all 50 US states. It offers several loan options, including new construction, conventional, USDA, FHA, and VA loans. Moreover, it is an approved servicer of Freddie Mac, Fannie Mae, and Ginnie Mae. For two years, the company ranked number three in the Top Mortgage Company in America in the Mortgage Executive Magazine.

License Verified:

License: 15622

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (155)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Element Mortgage logo
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License Verified:

License: 1850

Nationwide Multistate Licensing System and Registry

Element Mortgage

900 SW 16th Street Suite 130, Renton, WA 98057
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  • New Construction
  • Refinance

Business Description

Element Mortgage provides financing solutions to property buyers situated in Kent. The firm offers fixed and adjustable-rate loans. FHA loans are available for first-time buyers. VA loans are an option for military personnel. Fixed-rate and adjustable-rate loans are also offered. Jon Grus is the branch manager of the business' Washington office. He is a second-generation native of the northwest and acclimated to the market trends in the area. He assists in formulating tailored solutions fitting every customer's personal needs and goals.

License Verified:

License: 1850

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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eLink Mortgage logo
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License Verified:

License: 385463

Nationwide Multistate Licensing System and Registry

eLink Mortgage

3207 NE 125th St, Seattle, WA 98125
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  • Refinance

Business Description

Seattle-based eLink Mortgage extends its services to borrowers in Kent. The team of loan officers offers various mortgage options, including fixed-rate, adjustable-rate, balloon, FHA, VA, and USDA. In addition, it accommodates clients looking for cash-out refinancing. This mortgage brokerage firm works with first-time homebuyers and individuals with non-standard income documentation. eLink Mortgage is affiliated with eLink Realty, a division that provides real estate services and property management solutions. Loan application and pre-approval are accessible through its website.

License Verified:

License: 385463

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (50)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Jeff Johnson logo
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License Verified:

License: 102315

Nationwide Multistate Licensing System and Registry

Jeff Johnson

14205 SE 36th Street, Bellevue, WA 98006
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  • Refinance
  • Refinancing

Business Description

Jeff Johnson is a licensed mortgage planner serving Kent residents. He assists prospective homeowners in getting a home purchase loan with options that include FHA, combined, fixed rate, jumbo, VA, and RHS. To help borrowers manage their existing loans, he works with tax experts and financial planners and updates clients on refinancing opportunities. Johnson is the branch manager of Megastar Financial Corporation Bellevue and was the recipient of Seattle Magazine's Five Star Award Mortgage Professional for six consecutive years.

License Verified:

License: 102315

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (114)
Yelp
5.0 / 5 (52)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Julie Swenson logo
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License Verified:

License: 185767

Nationwide Multistate Licensing System and Registry

Julie Swenson

1201 Pacific Ave Ste. 600, Tacoma, WA 98402
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  • Refinance

Business Description

Julie Swenson assists clients in Kent with house purchases and mortgage approvals. It guides first-time buyers and second home buyers to avoid any mistakes that will cost them. It also assists homeowners in applying for restructuring their financing to lower the interest rate and provides assistance to investment buyers in order to obtain low-rate financing and maximize their return on investments. In addition, Julie serves seniors seeking reverse mortgages to allow them to stay in their homes without any mortgage payment.

License Verified:

License: 185767

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.6 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Poiema Lending logo
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License Verified:

License: 2004132

Nationwide Multistate Licensing System and Registry

Poiema Lending

1664 Assembly Walk NW Unit H102, Issaquah, WA 98027
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  • Refinance

Business Description

Poiema Lending is a mortgage firm that provides assistance to clients in and around Kent. Whether clients are purchasing their first homes or an investment property, the firm provides a number of financing options, including jumbo, conforming, conventional, and USDA mortgage loans. Additionally, clients who are looking into refinancing their current mortgage or consolidating their debts are guided through the process of refinancing. Clients over the age of 62 may also opt for a reverse mortgage which allows them to convert their home equity into cash.

License Verified:

License: 2004132

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.5 / 5 (182)
Salmon Bay Community Lending logo
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License Verified:

License: 204091

Nationwide Multistate Licensing System and Registry

Salmon Bay Community Lending

7919 Greenwood Ave N, Seattle, WA 98103
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  • Home Loans

Business Description

Salmon Bay Community Lending provides mortgage banker services to clients with homeownership goals in Kent. Operating as a division of Evergreen Home Loans, it offers professional brokerage assistance to home refinancing and purchases. It covers the processes of loan program selection, asset and income documentation, coordination with lenders, and home appraisal scheduling with Realtors. Ruby Grynberg, the branch manager, founded the company in 2005. She is a former Co-Chair of the Government Affairs Committee for WAMP.

License Verified:

License: 204091

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Sammamish Mortgage logo
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License Verified:

License: 118653

Nationwide Multistate Licensing System and Registry

Sammamish Mortgage

3055 112th Ave NE Suite 203, Bellevue, WA 98004
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  • Home Loans

Business Description

Sammamish Mortgage has been serving clients in Kent since 1992. The company works with various lenders to provide mortgages for real estate buyers, including helping compute the financed amount and the interest rate. Its team also assists clients with refinancing their mortgages so that they can get lower interest rates, reduce their monthly payments, and eliminate private mortgage insurance. In addition, property owners can get advice on getting cash by borrowing against the equity of their homes.

License Verified:

License: 118653

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Seattle’s Mortgage Broker logo
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License Verified:

License: MB-2158059

Nationwide Multistate Licensing System and Registry

Seattle’s Mortgage Broker

506 2nd Ave, Suite 1400, Seattle, WA 98104
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  • Refinance

Business Description

Salmon Bay Community Lending provides mortgage broker services to clients in Kent. It offers options and products for Seattle Jumbo mortgages, conventional loans, federal assistance housing loans (FHA), veterans or VA loans, and USDA loans. The company uses UClose, UConnect, and UTrack tools to provide smooth and paperless transactions. As a way of giving back, it supports non-profit organizations like Water.org, Seattle Humane Pet Rescue, Hug a Tree Seattle, Run to Win Children's Outreach, and Food for the Poor Feeding the Hungry.

License Verified:

License: MB-2158059

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (83)
Yelp
5.0 / 5 (27)
Facebook
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
TILA Mortgage logo
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License Verified:

License: 25699

Nationwide Multistate Licensing System and Registry

TILA Mortgage

19125 North Creek Parkway, Suite 210, Bothell, WA 98011
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  • Refinancing

Business Description

TILA Mortgage has been providing home financing solutions for over 20 years. Serving the Kent area, the company helps individuals looking to buy a home on mortgage. It offers various loan options, including fixed-rate and adjustable-rate mortgage, FHA insured loan, jumbo loan, real estate investor loan, and VA loan. Reverse mortgages and refinancing are also available. Branch manager Bill Duffy leads a team of loan officers who have passed stringent criteria, including financial responsibility and industry knowledge, to provide expert advice to clients.

License Verified:

License: 25699

Nationwide Multistate Licensing System and Registry

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (182)
Facebook
4.8 / 5 (50)
Yelp
3.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

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.

How do mortgage brokers get paid?

The customer or the lender pays the mortgage broker. By law, it's illegal for a mortgage broker to accept payment from both parties. Additionally, thanks to the Dodd-Frank Act, a mortgage broker cannot have hidden fees or base their commission on their customer's interest rate.

What makes mortgage brokers different from loan officers?

Loan officers are employees of a single lender. For example, if you go to a bank for a mortgage, you'll deal with their loan officer. They’re paid a set salary and receive bonuses; however, they can only offer loans from their bank.

A mortgage broker works independently or for a firm, and they’re paid by the client or lender. Mortgage brokers can approach several lenders, giving individuals many more options.

What is the difference between a commercial mortgage broker and a home loan broker?

A commercial mortgage broker deals with real estate loans for businesses. The loan for the commercial property is given to the company, not the individual. As a result, the approval process reviews the financial health of the business. In comparison, a home loan broker helps individuals gain a real estate loan for their property.

How much do mortgage brokers make?

According to Salary.com, the average salary for a mortgage broker in the U.S. ranges between $75,344 and $99,498. However, this can significantly vary depending on the state you work in, bonuses, and other factors.

How do mortgage brokers get paid?

How a mortgage broker gets paid entirely depends on who they work for. If they’re an independent contractor, all of their income comes from their clients or lenders. If the person works for a brokerage, they may be paid a combination of a base salary and bonuses from closed deals.

How much do mortgage brokers make per loan?

Mortgage brokers typically make between 1% and 2% of the total loan amount on each deal closed. The client or the lender will pay this fee. The mortgage broker does not receive their payment until the loan is approved and finalized. 

Can mortgage brokers work across state lines?

Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for its mortgage brokers. To legally close a transaction, you must be certified in the state of the transaction. Additionally, it's helpful to know the state's closing process, as this can change from state to state.

What is a surety bond for mortgage brokers?

A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

Is it difficult to pass the mortgage brokers’ test?

Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Do mortgage brokers need to be licensed?

Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

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