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Best Mortgage Brokers in Kirkland

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2023
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15/30 Mortgage logo
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License Verified:

License: 1761573

Nationwide Multistate Licensing System and Registry

15/30 Mortgage

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215 3rd Ave, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 1761573

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 (22)

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
Adrian Webb logo
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License Verified:

License: 811655

Nationwide Multistate Licensing System and Registry

Adrian Webb

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3933 Lake Washington Blvd NE Suite 300, Kirkland, WA 98033
  • New Construction

Business Description

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.

License Verified:

License: 811655

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
Zillow
5.0 / 5 (82)
Google
5.0 / 5 (40)
Yelp
5.0 / 5 (16)

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
Bellwether Lending, Inc. logo
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License Verified:

License: 116803

Nationwide Multistate Licensing System and Registry

Bellwether Lending, Inc.

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10415 113th Place NE, Kirkland, WA 98033
  • New Construction

Business Description

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.

License Verified:

License: 116803

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
Facebook
4.9 / 5 (33)
Yelp
5.0 / 5 (10)
Google
5.0 / 5 (1)

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
Bryan Brzeg logo
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License Verified:

License: 2040912

Nationwide Multistate Licensing System and Registry

Bryan Brzeg

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150 Lake Street S., Suite 250, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 2040912

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
Zillow
5.0 / 5 (12)
Google
5.0 / 5 (9)

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
Doug Rubin logo
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License Verified:

License: 36760

Nationwide Multistate Licensing System and Registry

Doug Rubin

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11241 Slater Ave. NE Suite 100, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 36760

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
Google
4.9 / 5 (12)
Yelp
4.0 / 5 (1)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fairway Sound logo
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License Verified:

License: 1117007

Nationwide Multistate Licensing System and Registry

Fairway Sound

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4020 Lake Washington Blvd NE, Suite 202, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 1117007

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 (413)
Golden Heritage Financial logo
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License Verified:

License: 744642

Nationwide Multistate Licensing System and Registry

Golden Heritage Financial

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11035 118th Place NE, Kirkland, WA 98033
  • Reverse Mortgage

Business Description

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.

License Verified:

License: 744642

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 (2)
Yelp
5.0 / 5 (1)

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
Home Trust logo
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License Verified:

License: 1761573

Nationwide Multistate Licensing System and Registry

Home Trust

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135 Lake Street South, Suite 230, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 1761573

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
Zillow
4.9 / 5 (117)
Google
4.9 / 5 (95)
Yelp
4.5 / 5 (6)

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
Kevin M. Pennington logo
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License Verified:

License: 1534892

Nationwide Multistate Licensing System and Registry

Kevin M. Pennington

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4055 Lake Washington Blvd NE #100, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 1534892

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 (104)
Zillow
5.0 / 5 (22)
Yelp
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
Responsiveness
Friendliness
Helpfulness
Detail
LoanZilla logo
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License Verified:

License: 67412

Nationwide Multistate Licensing System and Registry

LoanZilla

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6620 Lake Washington Blvd NE Suite 302, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 67412

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 (35)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Lynn Reifert logo

License Verified:

License: 179847

Nationwide Multistate Licensing System and Registry

Lynn Reifert

11255 Kirkland Way #100, Kirkland, WA 98033
  • New Construction
  • Refinance

Business Description

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.

License Verified:

License: 179847

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
Zillow
4.9 / 5 (38)
Facebook
4.8 / 5 (25)
Google
5.0 / 5 (18)

(+1 additional source)

The Dan Chapman Team logo

License Verified:

License: 70767

Nationwide Multistate Licensing System and Registry

The Dan Chapman Team

4020 Lake Washington Blvd NE #202, Kirkland, WA 98033
  • Refinance
  • New Construction

Business Description

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.

License Verified:

License: 70767

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
Yelp
5.0 / 5 (55)
Google
5.0 / 5 (7)
Facebook
4.7 / 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
Responsiveness
Friendliness
Helpfulness
Detail
TriStar Finance Home Loans logo

License Verified:

License: 43583

Nationwide Multistate Licensing System and Registry

TriStar Finance Home Loans

5209 Lake Washington Blvd NE Suite 220, Kirkland, WA 98033
  • Refinance

Business Description

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.

License Verified:

License: 43583

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
Zillow
4.9 / 5 (189)
Google
4.7 / 5 (32)
Yelp
3.5 / 5 (19)

(+1 additional source)

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

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.