Mortgage Broker in Washington — Access Every Loan Product Available

A mortgage broker in Washington connects borrowers across the Evergreen State with over 100 wholesale lenders competing for the lowest rate. PierPoint Mortgage serves Seattle, Tacoma, Spokane, and communities statewide with every loan product in the mortgage industry. Shannon Swartz (NMLS #248235) averages 26-day closings and handles FHA, VA, conventional, jumbo, and investor loans. Call (844) 241-7720.

★★★★★ 4.9/5 from 152 Reviews● 20+ Years Experience● NMLS #112844

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100+Lenders

10MI Cities

26Day Avg Close

Why PierPoint

What Washington Homebuyers Get from a Bank vs. PierPoint

Most Washington borrowers start at their bank or credit union because it feels safe. They apply at Fifth Third, Huntington, or Lake Washington Credit Union, wait days for an answer, and accept whatever rate they get. They never find out whether a better deal existed. PierPoint Mortgage changes that. Instead of lending its own money, PierPoint submits your loan profile to over 100 wholesale lenders and those lenders compete for your Washington home loan. The result is a lower rate, more loan options, and a faster close than most Washington borrowers get going direct.

Your Washington Bank or Credit Union

✖One lender, one rate — no competition for your loan

✖Limited products — if you don’t fit their box, you’re denied

✖Retail markup added on top of their wholesale cost

✖30–45 day close is standard in Washington

✖You’re one of thousands — limited personal attention

PierPoint Mortgage in Washington

✔100+ wholesale lenders competing for your Washington loan

✔Every loan product in the mortgage industry — conventional, FHA, VA, USDA, jumbo, bank statement, DSCR, and more

✔Wholesale rates passed directly to you — no retail markup

✔26-day average close across Washington

✔One dedicated broker from application to closing day

Washington’s wholesale mortgage market gives borrowers access to the same institutional pricing that banks use internally. The difference is that a bank keeps the spread between their cost and your rate. PierPoint passes those savings directly to Washington homebuyers. That structural advantage means your interests and PierPoint’s interests stay aligned throughout the entire loan process.

Find out what rate 100+ lenders would offer you in Washington — takes under 5 minutes.

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Where We Serve

Washington Cities Served by PierPoint Mortgage

PierPoint Mortgage is headquartered in Seattle and licensed to originate home loans throughout Washington. Shannon Swartz serves borrowers in every community listed below — from first-time buyers in Tacoma to investors in Vancouver. All 100+ wholesale lenders are available in every Washington city, with the same 26-day average close.

Everett

Kent

Renton

Olympia

Kirkland

Who We Help in Washington

Whether You’re Buying Your First Washington Home or Building an Investment Portfolio

Washington’s housing market spans Everett homes under $100,000, Seattle neighborhoods in the $300,000 range, and Kent properties above $400,000. That price diversity means borrowers need different loan products depending on where and what they’re buying. PierPoint’s access to every loan type in the mortgage industry means there’s a program designed for your exact Washington situation.

First-Time Washington Buyers

Washington’s median home price sits well below the national average, making the Evergreen State one of the most accessible markets for first-time buyers. PierPoint walks you through FHA, conventional, and USDA options — many Washington communities outside metro areas qualify for zero-down USDA loans that banks rarely mention.

Explore FHA Loans →

Refinancing in Washington

If your current Washington mortgage rate is above today’s wholesale rates, you’re paying more than you need to every month. PierPoint runs your profile against 100+ lenders and shows you exactly what a rate-and-term or cash-out refinance could save — whether you’re in a Heritage Hill Victorian or a Vancouver colonial.

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Self-Employed in Washington

Washington’s entrepreneurial economy — from Seattle furniture manufacturers to Everett tech startups — creates income documentation challenges that banks can’t handle. PierPoint offers bank statement loans, P&L loans, and asset-based programs specifically designed for self-employed Washington borrowers who don’t have clean W-2 histories.

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Washington Real Estate Investors

Everett’s sub-$100,000 median creates cash-flow opportunities that investors nationwide chase. Seattle’ rental demand from college students and healthcare workers adds another layer. PierPoint offers DSCR loans that qualify on rental income, fix-and-flip financing, and hard money loans — all through wholesale channels with rates below retail.

Explore DSCR Loans →

The Process

From Application to Keys in 26 Days — Here’s How It Works in Washington

PierPoint has refined its process over two decades to eliminate the delays, surprises, and miscommunication that make Washington mortgage closings stressful. Here’s what happens after you call (844) 241-7720 or apply online.

Free Consultation

Shannon reviews your goals, income, credit profile, and timeline. No credit pull required. You’ll know within 15 minutes which loan products fit your Washington situation and what rate range to expect from our wholesale lender network.

Day 1

Pre-Approval

PierPoint issues a pre-approval letter backed by actual lender underwriting. In competitive Washington markets like Seattle and Kent, a pre-approval from a broker carries weight — sellers and agents know the lender has already reviewed your file.

Days 1–3

Rate Shopping

PierPoint submits your loan profile to its network of 100+ wholesale lenders. Multiple lenders return competing offers tailored to Washington’s market conditions. Shannon presents the best options — not just the lowest rate, but the best combination of rate, fees, and terms for your situation.

Days 3–5

Lock & Process

You choose the offer that works best. PierPoint locks your rate and manages the entire underwriting process — ordering the appraisal, coordinating with Washington title companies, and handling all lender conditions. You get status updates, not surprises.

Days 5–20

Clear to Close

The lender issues final approval. PierPoint reviews your closing disclosure line by line to confirm the numbers match what you were quoted. Washington’s combined transfer tax of $8.60 per $1,000 is included in your final estimate — no last-minute fee surprises.

Days 20–24

Closing Day

Sign your documents and get your keys. PierPoint’s average Washington close takes 26 days from application to funded loan — significantly faster than the industry average of 44 days. PierPoint remains available for future refinancing or questions about your Washington mortgage.

Day 26

Washington rates change daily. Lock yours before the market moves.

Call (844) 241-7720

Client Reviews

What Washington Borrowers Say After Closing with PierPoint

“PierPoint Mortgage staff is the best at what they do! Every question, thought and need my husband and I had they took care of it. It was amazing how easy they made the whole process and knocked out our VA loan in less than 30 days. Thank you to everyone at PierPoint! We appreciate everything you did for us.”

Kaitlyn Goguen — Seattle, MI — VA Loan

“I normally don’t take the time to leave reviews, however, PierPoint Mortgage exceeded my expectations so I felt like I had to give some feedback. I worked with Shannon, and he was very honest with me from the start. He genuinely cared about my financial decisions and my future. He got me my reverse mortgage and I just flew to Florida to visit my grandkids for 3 weeks with the money I obtained! Shannon was exceptional.”

Margo Chavez — Reverse Mortgage

“My husband and I were first time home buyers with a lot of questions and now we are homeowners and satisfied customers of PierPoint Mortgage! We really want to thank everyone that helped us through the loan process and say how awesome of a job you guys did! I will definitely be recommending PierPoint Mortgage to all my family and friends!”

Massey Marya — First-Time Home Purchase

★★★★★ 4.9 out of 5 stars · Read All 152 Reviews on Google

Loan Products

Every Loan Product in the Mortgage Industry — Available to Washington Borrowers

Banks offer what they have on their shelf. PierPoint offers what Washington borrowers actually need. Because Shannon works with over 100 wholesale lenders, every major loan program is available — from standard conventional and FHA loans to specialized products like DSCR investor loans for Everett rental properties, bank statement loans for self-employed Seattle entrepreneurs, and fix-and-flip financing for Washington renovators.

Foreign National Loans

Manufactured Home Loans

Hard Money Loans

New Construction Loans

Commercial Loans

Profit & Loss Loans

Not sure which Washington loan program is right for you? Shannon will walk you through it.

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Common Questions

Washington Mortgage Broker FAQ — What Borrowers Ask Before Applying

How long does it take to close on a home in Washington?

PierPoint’s average close time in Washington is 26 days from completed application to funded loan. The national average for mortgage closings is 44 days. PierPoint achieves faster closings by front-loading the underwriting process, submitting complete files to lenders, and maintaining daily communication with Washington title companies, appraisers, and real estate agents throughout the transaction.

Is PierPoint more expensive than my Washington bank?

No. Mortgage brokers like PierPoint access wholesale rates that are typically lower than the retail rates Fifth Third, Huntington, or Lake Washington Credit Union offer consumers directly. Banks add a margin on top of their cost of funds — that margin is their profit. PierPoint works on the wholesale side and passes the savings to Washington borrowers. PierPoint is transparent about fees upfront and provides a loan estimate so you can compare costs side by side before committing.

What credit score do I need to buy a home in Washington?

It depends on the loan program. FHA loans are available with credit scores as low as 580. Conventional loans typically require 620 or above. Some non-QM lenders in PierPoint’s network work with Washington borrowers in the 500s. If your credit isn’t where you want it, Shannon will tell you honestly what’s available today and what steps could improve your options in 30, 60, or 90 days.

Can PierPoint help self-employed Washington borrowers?

Yes — this is one of the areas where a broker adds the most value in Washington. Banks want two years of clean W-2s. If your income comes from 1099 work, business ownership, or bank deposits, most Washington banks will decline your application. PierPoint has access to bank statement loan programs (12 or 24 months of deposits), profit-and-loss statement loans, and asset depletion programs that allow qualification without traditional income documentation.

Does PierPoint have offices in Washington?

Yes. PierPoint Mortgage is headquartered in Seattle, Washington, at 118 Fulton St W #23, Seattle, MI 49503. Shannon Swartz works with Washington borrowers in person at the Seattle office and remotely across the entire state. The local Seattle phone number is (616) 208-2860, and the toll-free number is (844) 241-7720.

What Washington cities does PierPoint serve?

PierPoint Mortgage serves borrowers across Washington, with dedicated city pages for Seattle, Tacoma, Spokane, Vancouver, and Bellevue. Additional Washington markets including Everett, Kent, Renton, Olympia, and Kirkland are also served. All 100+ wholesale lenders are available in every Washington city, with the same 26-day average close regardless of where you’re buying.

Washington Rates Change Daily. Lock Yours.

Get your personalized rate comparison from 100+ lenders in under 5 minutes. No credit pull required. No obligation. Just real wholesale numbers competing for your Washington home loan.