Diamond Homebuyer

Become a Diamond Homebuyer! Don’t pay more for a home just because you need a mortgage. We help you beat out pre-approved buyers and compete against all-cash offers.

In addition to providing standard financing for all conforming, VA, and FHA loans, we offer:

home-1
Cash Buyer Program

Become a cash buyer who can close in 10 days and make an all-cash offer

Bridge Loans

Go from a contingent buyer to a cash buyer who can close in 14 days

Investor Cash Flow Loans

Qualify based on the rental income of the property you're buying or refinancing

Jumbo Loans

Get the loan you need for the house you want with a low rate

Why Do You Need to be a Diamond Homebuyer?

When you’re a Diamond Homebuyer, your offer will stand out from the crowd of standard pre-approved offers.

Underwritten Pre-approvals

Far better than a normal pre-approval or pre-qualification, we move underwriting to the beginning of the buying process. Instead of waiting to get an official loan underwrite until after you get an offer accepted, put your earnest money down, order an appraisal and inspection; we move this part of the process up-front before you make an offer on a home. This provides sellers with a virtual guarantee that you can close quickly and on-time with no unexpected surprises in underwriting after the home is under contract. It will enable you to be as close to an all-cash buyer as you can get while still obtaining a mortgage.

We ensure your offer stands out from the crowd

With an underwritten loan approval, you can have full confidence to remove financing contingencies and compete with all-cash buyers without taking on risk of the loan falling apart at the last minute.

We prepare an Appraisal Gap Strategy to help you make a stronger offer

Our experienced loan officers will put together a strategy that will give you flexibility in the event the appraisal comes in low without significantly impacting your cash due at closing or your monthly payment. With home prices rising quickly don’t allow an appraisal using past sales derail your new home purchase.

We call the listing agent to verify your ability to close on-time

With bidding wars being a regular occurrence, we make sure the sellers know how and why your offer is stronger than the rest of the pack. You’ve worked hard to get yourself financially prepared to buy a home. We help you put your best foot forward and ensure there is no question in the seller’s mind that things will move quickly and smoothly if your offer is accepted.

Transparent Rates Available 24/7

We have nothing to hide! We allow our clients to see current rates and costs specific to their situation online. Never guess what the current rates are and what your payment would look like on a property you are considering making an offer on. Have confidence that we will always quote you real available rates regardless of what part of the home buying process you’re in.

Close in 3 weeks or less

By moving the majority of the work involved in the mortgage process to before you make an offer on a property, we not only remove the stress of the mortgage process, but we also enable to you to close quicker and gain a competitive advantage over other homebuyers.

Our team of Loan Officers are on call 7 days a week

Even the best Loan Officers get sick, go on vacation or have a life outside of work. Don’t risk having a Loan Officer that’s not available when you need them most. Our team model allows us to have experienced licensed Loan Officer’s (not Loan Officer Assistants) available 7 days a week. They’ll be able to answer any questions that you might have, update loan approval letters or make the helpful call to a seller’s realtor on your behalf.

google
4.9
379 reviews
time-1
Increase the odds of getting your offer accepted.

Kimberly Terry A lot of mortgage companies don’t value the same things as their borrowers, but Sammamish does:

Trust

Our closing costs are binding, which means that what we quote you is what you will pay; there are no surprises at closing!

Transparency

We offer multiple rate options for each product, and we don’t wrap up additional costs in your interest rate.

Freedom

Filling out a loan application is free and never obligates you to work with Sammamish Mortgage.

Flexibility

Our hybrid online and full-service system lets you choose your loan process without forcing you into one method that works best for us, as many mortgage companies do.

The Sammamish Mortgage Difference

Innovative programs and strategies you need to get offers accepted in today’s competitive house market.

Sammamish Mortgage vs. the Competition
Compare over 20 banks, lenders and investors from our network in seconds
No lender fees or junk fees
In-house underwriting
Real-time custom rates and costs available online 24/7
Underwritten Pre-approvals
Close in 3 weeks or less
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Mortgage Brokers
Sometimes
Rarely
No
Rarely
No
Sometimes
Rarely
Big Banks
No
Rarely
Rarely
Rarely
Sometimes
No
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
Rarely
Rarely
Rarely
Sammamish Mortgage vs. the Competition
Sammamish Mortgage
Mortgage Brokers
Big Banks
Online Lenders
Compare over 20 banks, lenders and investors from our network in seconds
Sometimes
No
Rarely
No lender fees or junk fees
Rarely
Rarely
Sometimes
In-house underwriting
No
Rarely
Rarely
Real-time custom rates and costs available online 24/7
Rarely
Rarely
Sometimes
Underwritten Pre-approvals
No
Sometimes
Rarely
Close in 3 weeks or less
Sometimes
No
Rarely
Bridge Loans and Cash Buyer Programs
Rarely
No
Rarely

Who is Sammamish Mortgage?

We proudly serve customers in the Pacific Northwest region. If you’re looking to buy a home in one of these states, we can help!

Transparent Rates and Costs Available 24/7

Our Reviews

Sungjun Kim
May 16, 2024
As a first-time homebuyer, navigating the mortgage process felt daunting. I initially considered going with a big bank, but Im so glad I chose Sammamish Mortgage instead. Ryan and Tonya were incredibly helpful and responsive, guiding me through every step with efficiency and care. They provided a quick pre-approval, and the entire loan process was handled smoothly. Ryan even helped me secure a better mortgage rate, saving me money in the long run. The closing process took just one month and went off without a hitch. Thanks to their exceptional service, buying my new home was a truly enjoyable experience. I highly recommend Sammamish Mortgage to anyone in need of a reliable mortgage lender.
Ariel A.
May 16, 2024
We loved working with Sammamish. Ryan was amazing at explaining what we needed and the process. Everyone was super responsive and helpful through the whole process. Buying a home can be stressful and Sammamish took away a lot of that stress! thank you!
Matthew D.
May 15, 2024
It was great. Good rates, fast turnaround, easy to use document portal.
John Parker
May 13, 2024
Sammamish Mortgage is extremely fast, experienced, and professional. They work around the clock to make sure you close when you need to. We closed over a week ahead of schedule on an already short timeline. I highly recommend doing business with them.
Jason Atwood
May 12, 2024
Sammamish set the high-water mark for mortgage experiences. Friends in the neighborhood recommended them. One of the best decisions of our entire home-buying process! Proactive and clear communication. Warm, kind, understanding, hard-working team of professionals. Fantastic technology that allows for easy to upload and review documents. The entire process felt like Sammamish was working with and for us and did so in a way that centered on relationships and care. They'll be our first call always.
Jason A.
May 8, 2024
Tremendous! The Sammamish team was exceptional, in terms of communications and management of expectations. The technology for uploading and reviewing and signing documents is the best I've experienced. The whole process was clear and easy. Thank you!
Edward Shim
May 2, 2024
We had a great experience with Sammamish! We shopped multiple lenders (NavyFed, Rocket, Envoy) and Sammamish had the most competitive rates. Ryan was very helpful and approachable for me as a first-time homebuyer and we will definitely use them in the future for our home lending needs.

Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

Compare Mortgage Rates in Your Area Instantly

No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.