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When buying a home, the most important factor is closing your loan smoothly and on time—not just chasing the lowest rate you see advertised. As your Loan Originators, we provide professional services for a fee, and we believe borrowers should judge us by:

• How effectively we deliver results
• The fairness and transparency of our fees
• The trust and assurances we provide throughout the process

Licensed, Tested, and Regulated

Independent mortgage brokers are highly regulated. Since the Dodd-Frank Act of 2010, loan originators must:

• Pass federal and state licensing exams
• Complete criminal background checks
• Take annual continuing education courses
• Follow consumer protection laws (RESPA, TILA, ECOA, HOEPA, FCRA, Fair Lending & Fair Housing, and more)

Loan officers at national banks are not held to the same state licensing standards.

Local Presence, Community Commitment

• Pacific Coast Financial LLC is locally owned and operated in Seattle, WA.
• Because we are part of the community, you can meet with us in person. Problems get solved faster face-to-face than with online-only lenders.
• We work efficiently to help ensure timely closings, keeping you competitive in Seattle’s fast-moving housing market.

Stronger Pre-Approvals = Stronger Offers

We internally pre-underwrite before issuing Pre-Approvals. That means verifying credit, employment, assets, and property type and obtaining Automated Underwriting System (AUS) approval.

This gives sellers and listing agents confidence that your financing is solid, making your offer stronger.

Clear Communication, Every Step

We believe the loan process should be transparent. That’s why we send Loan Status Updates by email to all parties—buyers, sellers, realtors, escrow—so no one is left in the dark.

More Loan Options Than a Bank

Unlike a single bank that only offers its own products, we have access to a wide marketplace of loan programs through multiple lending channels. This allows us to shop across options and match the right mortgage solution to your individual needs—helping you or your clients stay competitive in today’s market.

Coordinated Support

We coordinate with realtors, insurers, appraisers, escrow, and title companies to make sure everything moves on time.

Available When You Need Us

We know real estate doesn’t stop at 5 PM. That’s why we make ourselves available on evenings and weekends.

Transparent Fees & Rate Locks

• Fees are disclosed up front and will not change unless the transaction itself changes.
• Third-party charges (like title, escrow, and appraisal) are passed directly without markup.
• Rate-lock commitments are provided once secured.

Personal, Local Service

Every borrower’s story is unique. We listen carefully from the start, tailor loan solutions to your needs, and advocate on your behalf with lenders and third parties.

When possible, we even attend your signing to provide extra reassurance, especially for first-time homebuyers.

Our Goal

To bring all parties confidently to the closing table on time and with minimal surprises. The best place to get a mortgage is with a local mortgage broker who is invested in your success.

Watch our short video presentation to learn more!