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Welcome

Trusted Pacific Northwest Mortgage Advisor

My goal is to be as transparent, flexible, and accommodating as possible. Whether you're worried you won't qualify for the home you love, or are simply looking for an interest rate match, my team and I are here for you throughout the entire process.

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Why Choose Us

Best Interest Rates for Purchase & Refinance

Our mortgage brokerage is committed to providing you with the best possible rates in the market. We understand that a mortgage is one of the most significant financial commitments you'll make in your lifetime, and the interest rate can have a substantial impact on your overall cost.

  • Rates that won't be beat

    Already received a quote from another lender? We will match it. If you haven't been quoted yet, let us provide you with the most competitive pricing in the market. Whether you are looking to purchase or refinance, we know that keeping your interest rate low will save you thousands.

  • Around the clock service

    We value your unique needs and schedules, which is why we have adapted our services to be available around the clock. Whether you need to discuss mortgage rates at dawn, or want to complete a refinancing application in the late hours, we are here for you.

  • Efficient and experienced operations

    Efficient and experienced operations. Quick processing, turnarounds on conditions, and closing. This focus on efficiency doesn't come at the expense of thoroughness - we guarantee comprehensive and meticulous handling of every detail, right up to the closing.

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Programs

Conventional Home Loan Options

One the best and safest methods to buying a home. Getting pre-approved for a conventional loan helps you stand out among other . With its fairly strict requirements, qualifying for a conventional mortgage signals that you are a serious buyer. This product is great for various types of homebuyers. Whether you are a first time home buyer, a previous home owner, or are looking to purchase a second home or investment property, the conventional loan offers great rates for financially situations.

Features include:

  • Minimum 3% down payment
  • Competitive rates
  • Relatively low closing costs.
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Programs

USDA Home Loans For Rural Homebuyers

USDA loans are a great option for rural homeowners and buyers. Not only do they have a 0% down payment requirement, but they have some of the best rates of all loan programs. The USDA defines the counties and income that are eligible for the loan program. You can find out if your income and property are eligible by contacting us or looking up USDA zone map and income eligibility critera.

Features include:

  • Minimum 0% down payment
  • Off-the-grid, rural homeowners/buyers only
  • Very competitive rates
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Programs

Non-Conforming Home Loans

Non-conforming loans are a general term to describe loans that are not underwritten to the government agency guidelines. They are able to fund almost any situation including alternate income, missing documents, or anything that wouldn’t qualify under conforming guidelines. They are great for business owners, seasoned investors, or foreign national home buyers. In essence, non-conforming loans can help almost any buyer get a home, but at the cost of a higher interest rate.

Features include:

  • Extremely easy qualification
  • High interest rates
  • Broad accommodation
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Programs

Jumbo Home Loan Options

Jumbo loans are similar to conforming loans, with the difference being that the loan size is not within the county conforming . This limit is dependent on where the subject property is located and the number of units the property contains. To find out whether you’ll need to get a jumbo loan product, you’ll need to subtract your down payment the purchase price of the home you’re interested in.

Features include:

  • Easy qualification process
  • Minimum 5% down payment
  • Competitive rates
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Programs

FHA Home Loan Options

A very good option for first time homebuyers. The low down payment, competitive rates, low FICO requirements, and rigorous home inspection make this a safe option for first time buyers. Our FHA products are easy to qualify for, allowing a diverse array of buyers to get into the home they love.

Features include:

  • Minimum 3.5% down payment
  • Very competitive rates
  • Low FICO requirements
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Testimonials

What People Have To Say

We are fully committed to being with you every step of the way, ensuring you understand the entire process, and answering any questions that may arise. Our goal is not just to find you a loan, but the right loan that will serve your financial needs both now and in the future, with the outstanding service you deserve.

  • Ryan was attentive to our needs during the entire process. He made sure we knew what was going on before moving onto the next step. I would highly recommend him to anyone!

    Wanda H. Refinance into Conventional Loan
  • I worked with Ryan Engel and I’m glad I did. He really made sure to get me the best deal for my situation. I would 100% go to him again for a refinance and have already recommended his brokerage to friends and family.

    Peter E. Jumbo Purchase Loan
  • Ryan was the only lender that was able to finance my situation after my loan fell through in escrow. I was worried I was going to lose the house I loved and my earnest money deposit. I’m so thankful I was able to get in touch with him and close on time, thank you again!

    Emily S. Non-QM Purchase Loan

Need Help Getting Your Mortgage?

We strive to make each interaction with us not just a transaction, but a personalized experience that leaves you feeling heard, understood, and valued. We take the time to fully understand your unique financial situation, goals, and preferences, using this insight to find the mortgage loan that fits your needs perfectly.

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