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When buying a home, the most important factor is closing your loan smoothly and on time—not solely chasing advertised rates without understanding the full terms and closing process. 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 employed by depository institutions may operate under different licensing and regulatory frameworks than independent mortgage brokers.

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.

While no loan approval is final until closing, this process helps reduce surprises later in the transaction.

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 many banks that primarily offer their own loan 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 generally do not change unless the transaction itself changes or new information becomes available.
• 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. For many buyers, working with a local mortgage broker who is invested in their success can make the process smoother and more predictable.

Watch our short video presentation to learn more!