Seattle Mortgage Broker

Pacific Coast Financial LLC is a Seattle-based mortgage broker serving homebuyers, homeowners, and real estate investors throughout Washington State. As a broker, we work with multiple lenders instead of just one bank, so our role is to help you compare options and choose a financing strategy that fits your long–term plans.

Why Work With a Local Seattle Mortgage Broker?

Seattle and the surrounding areas have unique neighborhoods, price ranges, and property types. Local experience matters. We regularly work with buyers and homeowners in communities such as:

• Seattle neighborhoods like Ballard, Green Lake, Wallingford, Capitol Hill, and West Seattle
• Eastside cities including Bellevue, Kirkland, Redmond, and Issaquah
• South Sound areas such as Renton, Kent, Auburn, and Federal Way
• North-end markets in Shoreline, Lynnwood, Edmonds, and Everett

These are examples of areas we commonly serve; loan availability is subject to lender approval and property eligibility. Understanding local market trends, property taxes, and condo or HOA rules helps us anticipate lender questions and set clear expectations for timelines, documentation, and closing costs.

How a Mortgage Broker Helps You

• Reviews your goals, budget, and timeline before suggesting loan options.
• Shops among multiple lenders to look for competitive terms for your situation.
• Explains the differences between conventional, FHA, VA, jumbo, and other products.
• Coordinates with your real estate agent, escrow, and the lender to keep the file moving.
• Helps you understand estimates, disclosures, and what to expect at closing.

Our goal is to make the process easier to understand, reduce surprises, and give you a clear picture of how your mortgage fits into your bigger financial plan.

Our Seattle Home Loan Process

1. Initial conversation. We talk about your plans, income, assets, and credit so we know where to start.
2. Pre-approval. We collect documents, review your file, and work with a lender to issue a pre-approval letter if appropriate.
3. Home shopping or refinance review. For purchases, we coordinate with your real estate agent. For refinances, we review your current loan, equity, and goals.
4. Underwriting and conditions. We help you respond to lender questions and provide any follow-up documents they request.
5. Closing and next steps. We review your final numbers, coordinate with escrow, and discuss strategies after closing (such as future payoff or refinance plans).

Loan requirements and timelines may vary based on lender guidelines, borrower qualifications, and property type     

Who We Serve

• First-time homebuyers who want clear guidance from pre-approval to keys.
• Move-up buyers looking to sell and buy in the Seattle area.
• Homeowners exploring rate-and-term or cash-out refinancing.
• Investors purchasing rental or second homes in Washington.
• Clients seeking to better understand their options before making a big decision.