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First Time Home Buyers, Low Rates in Kirkland, WA
"In the world of lending nothing takes the place of experience and options."
Welcome to the official site of Washington First Mortgage Loan Corporation. We are a full-service mortgage company based in Kirkland, WA. We specialize in assisting first time home buyers and offering low rates in Kirkland. We also serve the surrounding cities in King County. Whether you are buying a home or refinancing in any of these zip codes: 98033, 98034, 98012, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.
Understanding the variations of every loan program, while understanding the needs of the borrower, come from years of experience. Our seasoned loan officers are proud to have served thousands of people on the West Coast, in the American Dream of home ownership!
Having access to over 40 National and Local lenders, Washington First Mortgage Loan Corporation offers hundreds of loan programs and pricing options.
In terms of Purchase Loan programs, we offer the following:
Refinancing? We can help you with that, too!
We also offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
What makes Washington First Mortgage Loan Corporation unique is that we offer the following niche programs as well: VA, Self Employed, Low Down Payment, Down Payment Assistance.
Contact Washington First Mortgage Loan Corporation today, our Loan Officers are here to help you choose the most beneficial home mortgage for your current and long-term financial goals.
What Our Customers Are Saying *
"Great experience and super easy! This is my 2nd time working with them and both times have been great!"
"Dan and Camey were great!"
"Jeff Ladue @ WA1st made the process so easy! I’ve already referred him to family. He’s saving my mother in law thousands over BofA’s pricey refinance. Couldn’t be happier!"
"Upfront, straight forward, no sugar coating or beating around the bush, working hard through the night and met every single promise made. I am so pleased of the experience with Jeff Ladue. Jeff called me back and introduced himself after responding back to an inquiry I made. Jeff took almost two hours out of his day and listened to what my goals were and the predicament I was in. I was already in contact with another loan officer at a different brokerage, but Jeff seemed like he was genuinely interested in helping with my situation. The whole process in refinancing my house was so effortless and seamless on my part, I could not have asked for a better loan officer. The rate and the savings Jeff found for me was not even close to what I could have imagined I would get. Jeff Ladue was very realistic, straightforward and experienced. He was very communicative and always there when I needed questions answered, even at 11 o'clock at night. Thank you Jeff Ladue for saving me money and allowing me to keep my house. Your expertise in the mortgage industry and communicative personality is what helped me and my family keep our house. ” "
"Really happy with their service"
"Jeff was awesome to work with. He always kept me in the loop and never missed a phone call."
"Jessica is awesome. She is timely and precise. It couldn’t go more smoothly"
"I Highly Recommend Jeff and his Staff I have worked with him several times over the years and he always works really hard at making everything work as best possible which makes things go very smoothly."
"Very professional and easy"
"Chi worked his butt off to get this through! Top notch service and really made us feel like we where his most important clients! 5 Stars for Chi and Wa 1ST Mortgage!"
"It was good"
"you guys did a good job. I will recommend you guys to my friends. thanks"
"This was the second time we worked with Brian. He facilitated every move and made sure we understood each step. He is professional and thorough. We highly recommend his services!"
Bonney Lake, WA
"Thank you for all your help"
"Great experience working with Josh White, hardly had to do anything it seemed like, and he got us a great interest rate. Highly recommended Josh"
"Eric was extremely helpful throughout the entire loan process. He took the time to explain the process and answered all the questions that I had, no matter how many times I asked about the same thing. Eric was always available for assistance and to write up the offer letters whenever I needed them. I was extremely impressed by his professionalism and his knowledge of the loan process. We ran into one area that he wasn’t familiar with and he spent time researching the topic and got back to me within 24 hours with the answer. Eric worked diligently to get me the best rate and terms for my loan. I highly recommend Eric Foss for any loan needs."
"The fires hit Paradise and my family was forced into one of the worst buyer's markets in the country. Without her expediency, efficiency, and compassionate help, I can confidently say we would be homeless. Her knowledge and expertise was beyond impressive. She was honest, forthright, and communicative throughout all of the steps in buying our home. The loan we received was not only fair, but objectively the best loan we could've received. I recommend Carolyn to everyone and anyone that wants a fair and honest experience in the daunting world of home buying."
"Hi Kevin, Thank you for taking care of us. You did amazing job and we appreciate it very much. We will definitely do the same business with you in the future!"
"Great to deal with and looking forward in the future when we will require another house loan"
"Brian provides top quality service. He’s helped me with two refinances and I could not be happier with the result. I’m very dumb when it comes to this process and he makes it very simple to understand. For anyone who’s looking for competitive rates and someone you can rely on I highly recommend him."
"Very helpful. If you like to save money and find the best rates, give Brian a call!"
"We have used Washington 1st Mortgage a few times and will continue to- Kevin is great to work with"
"Jessica did a fabulous job from start to finish. She is always on top of things. Very timely and professional as well as thorough and happy to go above and beyond. She answered all of my many questions and walked me through the whole process. I felt confident that I was doing the right thing and that everything was being taken care of through the entire process."
"We worked with Dan Gorman and Cassandra, and they were absolutely the best in getting our loan processed and funded in a timely and professional manner. We would definitely recommend them to any of our family or friends."
"Carolyn Warren was absolutely awesome. She kept in touch with me throughout the whole process. In fact, I’ve been checking in with her for years about this refinance and each year when I reached out to inquire, she never made me feel like a pest. She was so gracious and patient. Crunched the #’s - gave great advice. And this year was the year to do it! When it was all finish, I was actually a little sad, realizing my exchanges with her were basically concluded. I giggled a bit too with a seedling thought ... maybe I could buy another house someday ... become an entrepreneur landlord or something. Ha! I have already passed her contact info on to a friend. I can’t say it enough about Carolyn’s quality work, ethical approach, conscientious and thoughtful demeanor. She even brought me a personal gift at closing - monogrammed with my initial! Amazing!! How grateful I am for HER. THERE IS NOBODY BETTER! She got me the best rate, the best refinance - I don’t thing anyone else could have done better for me."
Lake Stevens, WA
"Super easy re-fi after a nightmare experience with a previous mortgage company. Thank you so much!"
"I was referred to Chi Nguyen by a real estate agent here in Wenatchee, WA. I was a first-time home buyer and absolutely clueless about the whole process. I contacted Chi on a Saturday night, because I had just found out that the home I was interested in was about to get an offer from someone else. I needed a pre-approval letter. Chi promptly responded and was ready to help me out. Due to the stories I had heard about getting home loans, the rates, hidden fees and many of the negative aspects that occur, I was pretty skeptical about lenders. The first house did not work out. Regardless Chi did everything quickly and professionally. I dropped the agent I was using at the time who referred me to Chi, and I began looking at other homes with a different agent. When it came time to get serious about another home, I contacted Chi to get a quote, but I also talked to a bank about my options. As I said, I was without experience and wanted to learn as much as I could. The person I talked to at the bank required A LOT more for a down payment, and the rate was higher. This made me wonder what Chi was hiding for his quote to be so much better. I compared the numbers side by side and researched what each fee was. As far as I could tell, there were no hidden concerns, but I knew the truth would come out in the end when the final numbers were drawn up. I think it was about this time when I asked Chi if he could meet up with me, and he told me that he lived in Kirkland! To my surprise, everything was done quickly and professionally, without a hitch, so location made no difference. I found the house I wanted, and as soon as I was going to put an offer in 2 more people decided to as well. I lost the battle to someone else who must have had a better offer, but within a few days of it going pending, the deal fell through and I put in an offer before anyone else had the chance. I offered a higher number than I had previously and shortened up the closing time to only 25 days! It all had to happen very fast, and Chi was always ready and efficient. The offer was accepted, and we closed on time with no problems at all. What is even more amazing is that I had to put less money down than what I expected, the rate was unchanged, and no hidden fees were added. I couldn’t believe how much better the rate he had was, as well as the amount down. Even the agent I was working with was shocked at how good he is at his job. She said that she will definitely refer her clients to him in the future. Chi and I actually became friends through the process. He is very personable, and never made me feel like I was asking stupid questions. He answered me with a thorough explanation that was easy to understand and made me feel like I could call him anytime if I needed anything else. Chi Nguyen really knows his stuff when it comes to mortgages. Buying a home is scary when you don’t know who to trust, but I got lucky and had the opportunity to work with Chi. I am fortunate to know him. He was always good at reminding me that buying a home should be fun, exciting and worth it once it is all done. I literally enjoyed the whole process from start to finish. Thank you, Chi."
"Svetlana was very effective while getting our mortgage to be set: quickly closed thew favorable rate, always responded immediately on the calls and e-mails. Finally we were able to close in 3 weeks! "
"I have known KellyRose Anderson for over 20 years. She was the "go-to" person when I began looking to buy my very first home. Kelly is a professional, honest, and very knowledgeable. . She's a hard worker who always puts the clients needs first, while maintaining respect and intergrity for her company. I have worked with Kelly now on three different transactions regarding my home and will always use her services and expertise in the future."
"Excellent in service professional with experience in business"
"Mary is Awesome!! She was so great about answering our questions and making sure we understood the process. Best part, she got us a much lower rate than what was expected! This lending process differed greatly from our first home-buying experience and we will only use Mary from now on!!"
"I worked with Svetlana for an investment property, she not only gave the best possible APR 4.625 when other banks are 5%+, but also made sure to advice on a 30 day lock rather than 45 day for the best possible interest. She is great at driving for dates and get things done on time. I had another issue of appraisal where my property didnt quite fit into the conventional home loan category, she worked with multiple appraisers and made her case that it is still conventional, all this i didnt know were happening and just saw the result that everything came together for my purchase. Delighted and highly recommend her for her customer commitment. "
"Excellent service and personality! "
"Third time I used WA First Mortgage Loan Corp and everything was fast and went smoothly again. Randy Szabo is the BEST"
"Mary is extremely caring and listens very well. She takes time to explain multiple options and follows through on her promises. She has an incredible knowledge of the mortgage industry and her expertise is obvious. I recommend entrusting Mary with your mortgage needs. "
"It was an easy and fast transaction."
"Tawny Lynn is the best. She goes over and beyond to get her clients the very best loan to suit their needs. Very nice lady and an absolute pleasure to work with. I have over 30 years real estate investing worked with lots & Tawny by far my favorite & does superior job! "
"Great working with you all."
"Chi was great to work with and so helpful every step of the way!"
"Chi Nguyen was absolutely amazing helping us buy our home this December. He would answer our calls, texts, and email so quickly. Chi would also give us daily updates. I will refer all my family and friends to Chi. Thank you for all of your hard work, and kindness during the process. "
Federal Way, WA
"Carolyn was absolutely outstanding. Her communication and professionalism really helped us out alot. Thank you so much for helping us get into a home we love! "
"Carolyn has been very patient and guided us through a lengthy process. We appreciate her service because she clearly has gone above and beyond to assist us through the process. Thank you. "
"Excellent service all around. Chi is extremely knowledgeable and professional. He definitely made the house buying easy and painless. "
"Carolyn walked us through almost buying our first home, and was so kind and helpful! When the deal fell through, and even though we had already had the appraisal done, Carolyn was able to get us a refund of over half of our money for the appraisal! We are so grateful for Carolyn’s experience and professional advice, and would highly recommend her loan services to anyone we know! "
"Carolyn was an excellent loan officer, and I would definitely recommend her! As a first time home buyer, she made sure I understood each step in the home-buying loan process, and clearly communicated with me in a timely manner. In a changing and difficult market, Carolyn worked to get me the best loan option and rate possible. I greatly appreciated her willingness to answer all of my questions and go above and beyond to get me the things I needed to make competitive offers. Carolyn made me feel confident and allowed me a stress-free home buying experience. "
"Carolyn performed heroically to complete a new package of financing from start to close in 10 days! I have bought and refinanced multiple times and I can tell you that Carolyn is as good as it gets at navigating the challenging world of mortgages. She is totally capable, available, knowledgeable, personable and knows all the ins and outs to get things pushed through and done. Carolyn comes with our highest of high recommendations of top quality, integrity, trust and ability. We would absolutely use Carolyn again the next time financing needs arise.Joseph Engman "
"Carolyn has been a great Senior Loan Organizer. She was able to get the loan all set up fast and easy to understand. Without her, I wouldn't be sure if I was going to be able to get a loan on the scheduled closing date. She was able to make everything run smooth. Carolyn is awesome! "
Normandy Park, WA
"Carolyn's communication skills are excellent, and she goes above and beyond to serve her clients. She truly cares, shown by the extra time she spent explaining every step of the loan process and answering all our questions. She helped us get the best possible interest rate, checking lock advisory, so we could make the best choice when locking our rate. She was able to close our loan in 2 weeks, making our home purchase go smoothly. We highly recommend Carolyn! "
"I have nothing but good things to say about working with Carolyn! My girlfriend and I were first time home buyers and went into it knowing nothing. Carolyn's communication skills and expertise from beginning to end made it a very pleasant experience. She will answer all your questions, take the time to make sure everything is explained, and stays on top of her business to make sure nothing slips through the cracks. You can tell she cares and wants the best for her clients. Would highly recommend using Carolyn. "
"Brian was great to work with and offered the best products. Thanks!"
"Dali did a wonderful job on follow-up and our service needs! He is very knowledgeable and honest. It was our pleasure working with him. We will not hesitate to recommend our friends and relatives in the future! Thanks again."
"Dan Gorman has been our broker for years. Where he goes, we go. We refer those we know who need mortgage services, ALWAYS directly to Dan. He is professional and personable. We are very comfortable and confident with Dan."
"I have tried getting bids from at least 4 mortgage brokers over the years, in addition to online brokers. Nobody matches Dave in talent, commitment, professionalism, and rates. No One."
"Dave Nuber is one of the most professional people we have had the pleasure of dealing with. His attention to detail is second to none. His excellent attitude that he shows through his efforts made us feel like he was in this deal with us. We would be most happy to recommend him to anyone who is looking for a loan of any kind. His prices were competitive. His empathy and understanding of what we were trying to accomplish made us very pleased with our decision to use Mr. Nuber."
"Washington First Mortgage finally got me out of refinance purgatory!My partner and I started this process 15 months ago. I had absolute confidence in the value of the property, the income it brings in, and I knew there was a ton of equity.But we were turned down, lender after lender after lender. I’ve lost count of the number of banks we applied with.Granted, we both have serious credit black marks. But we have since acquired several properties and have been up to date on our bills.One lender was about to approve us but their appraiser came in with a lowball value. I challenged it to no avail.Another lender strung us along for MONTHS with a pre-approval, and repeatedly asked for more and more documentation. There was always something new he needed, it was never-ending, and this guy never returned phone calls and never returned emails.Thank God I met Donald Hathaway and in turn, Tryg Satterlee. They told me with confidence that they could do the loan and the process was quick and relatively painless. Thank you, thank you, thank you! "
"Very Professional and rapid service, everything was first rate. The paper work was accurate and understandable. We intend to use Eric Foss and Washington First when we refinance our rental property. "
"Always a pleasure to work with Eric Foss. He’s very professional, stays in constant contact and is super efficient "
"Excellent service, fast process. Made it very easy. "
"I have known and have done business with Eric for more than 30 years and he is the most honest and trustworthy person in the industry. His knowledge of all programs is outstanding and I hope to do more loans in the future with Eric, none better in the mortgage industry !! "
"Hans did an excellent job on my refinance. He was very thorough and detailed. He kept me apprised of where we were at in the process and made sure my transaction was smooth and well executed. I couldn't have asked for a better experience! Thank you Hans! "
Des Moines, WA
"Nice work by Janette Morales, she was very responsive and listened to my needs "
"Jeff has the best customer service I have ever experienced! Jeff is amazing and made the process extremely easy for me. "
Lake Stevens, WA
"Great experience all over again! "
"Jeff is an amazing loan officer. He helped me every step of the way "
"They followed up until all the issues were resolved. Very reliable. Friendly services and answered all the questions in a timely manner. Appreciate their excellent professional work for us. "
Maple Falls, WA
"Thank you so very much for all of your help in securing our loan for our new home here in Maple Falls. You were organized & thorough & professional, as well as kind which made all of the difference in our interactions with you. We put our trust in you and you most definitely came through for us. Thank you for your patience as well as treating us as people rather than just home loan customers. You stand above the rest, Joshua White! Our hats off to you!! "
"Joshua made the process of buying a home, truly wonderful! He has such a generous heart and is committed to seeing local charities thrive, by donating a portion of his profits to them. He answered all of our questions quickly and we just spoke enjoyed working with him and would recommend him highly! "
"Josh was not only a pleasure to work with, he was the most attentive, speedy, accurate, creative and positive person I've EVER worked with. He made the whole buying process easy and as stress free as these things can be. The fact that 10% of his commissions go to local charities made the experience even sweeter. I'm grateful to have worked with Josh and will work with him again on future purchases. "
"I so appreciate Mrs. Rose Anderson's service. I would highly recommend her to anyone I know seeking assistance. Her efforts to assist me were above and beyond."
"We recently closed on a home mortgage loan. Our mortgage broker was Kelly Rose-Anderson. We are submitting this letter to congratulate Kelly on a job well done.Kelly located a lender with very competitive rates and provided us with options allowing us to choose our preference regarding fees and rates. Kelly learned we were going on vacation during the processing time and she took care of making sure our loan was processed quickly and accurately.Obtaining a home loan can be quite complicated because of all the rules and regulations involved. Kelly kept an open line of communication with us and answered all our questions to our satisfaction.We would recommend Kelly to friends and family and should we decide to re-finance in the future, Kelly is our first choice. "
"We are happy with WA first. They did great for us to buy our first property. Everything went well and the loan was closed on time. "
"Great experience! "
"Michael streamlined what could have been a stressful process. His excellent communication and thorough info put us at ease and made the process smooth and simple. "
"Good Service "
"Michael is amazing!To start, as an industry veteran, he is very resourceful and help us get a loan above and beyond.He is very patient to answer all the question we have during the entire loan process. Therefore, Not only have we done the correct things by the right time, we but also understand why we do a specific thing at a particular time. This is super helpful for the first-time buyer.When we faced a credit score challenge, Michael really went out of his way to find every possible solution to get us favorable rates. His suggestion on improving credit score worked effectively and was later reflected in the loan we were given.Michael will do everything with his power to meet your requirements. What's more important, he is very approachable and responsive. You will never feel agonized about not finding him when you need.I strongly recommend him. "
"Have worked with Mike before and will work with him again if the need arises. Thanks! "
"The service from Randy Szabo was fantastic I never thought I could get a loan in my own name and this wonderful young man got it done ! thank you thank you thanks you ???? "
"Randy delivered on everything he said would happen from documentation, timing, appraisal forecast, closing, interest rate, loan acceptance, payout, etc. I couldn't have been more pleased. Randy delivers. "
Port Orchard, WA
"Thank you very much for getting this done in such a timely manner. I have bought a lot of houses over the years and the lending process is usually a nightmare. This re -fi was the quickest and easiest I have experienced. I will recommend you to anyone looking for a new loan or re-fi. Thanks again for your good and prompt service. "
"Thanks Randy! I appreciate all your help throughout this process. You’ve made the refinance painless; we’ve felt secure with your representation and professionalism. As we’ve had a good experience throughout the process we will refer others to your organization. Thanks! "
"Randy Szabo was fast, thorough, and honest. Our refinance was exactly what we wanted and my wife and I couldn’t be happier. "
"Randy was very nice and helpful. "
"Randy was outstanding. He was prompt. Communication was easy. He made the process of refinancing simple & swift. I can't recommend him highly enough. Thank you! "
"Randy was awesome & never disappointed us. We would definitely refer & use him again. "
"Randy was very knowledgeable, fast and always available to answer questions/concerns. Randy was in contact with us every step of the way and explained exactly what to expect. I highly recommend WA First and Randy. "
"Very smooth process with Randy. "
"This is the fourth or fifth transaction I’ve done with Stuart and I would not use anyone else! He says it how it is and keeps my life simple while finding me the best rates. "
Federal Way, WA
"Simple cause they believe in me. Thanks for being professional. "
"Stu was outstanding from start to finish. He was all over things and even offered to drive down to Elma to go over our final signing appointment. I would highly recommend Stu to any in the mortgage financing market! "
"I have had several opportunities to work with Svetlana. Each time I am amazed with the effort she puts forth to get the job done, each time offering several options. She is always available, even sacrificing her person time late at night or on weekends. When a deal is on the line time counts and I rely on Svetlana. She's the best! "
"Svetlana is very knowledgeable and responsive. I really enjoyed to work with her. The whole loan process went very quick and smoothly. I would highly recommend Svetlana to everybody who is looking for a mortgage broker. "
"I'm so glad I used WA 1st mortgage services. My originator Svetlana Vikanova acted professionally and with a great sense of urgency. I got best bid out of 10 other bid that I had. Also we were able to close in just 2.5 weeks. Excellent service!"
"I would like to thank Svetlana on a job well done helping me and my family in obtaining the loan we needed for the purchase of our home. Svetlana did an outstanding job in closing under a tight deadline and staying within the promised budget. Having to close on time was is a crucial factor in today's aggressive market and it was a deal breaker in this transaction if not followed through. I've worked with Svetlana before on refinance during my previous home ownership and I knew that she won't fail me to deliver the same outstanding results as before for this major milestone in my life. Thank you greatly for your time, energy and hard work that you've put into your work Svetlana Vikanova! "
"Thank goodness for Tawny Lynn, and for her very helpful support and deep commitment in helping us to secure financing for our dream home. Her consistent and timely communications, even after work hours, went beyond our expectations. We appreciated her generosity of time in answering our questions and providing very specific and detailed information. When added complications surfaced, we valued her positive spirit and skillful problem solving. We definitely feel blessed that she was on our team, looking out for what's best for us. Without hesitation, we would recommend her to friends and family. "
Maple Valley, WA
"Tryg and his team always offer great advice and can be trusted to handle all the details! They make a tough process go smoothly for their clients! "
"I myself have been in real estate for over twenty years as an investor and I will continue to use Tryg as my mortgage loan officer. "
"Tryg was wonderful to work with. He responded to all my questions quickly and always made me feel at ease that he was handling all issues as they arose. I will be using Washington First for all my future endeavors.Thank you!! "
"Hello,I am writing to review my experience with Cassandra Wickholm as my loan officer. My husband and I began searching for our first home in February 2016 and contacted Cassandra for our pre-approval. Cassandra clearly communicated what information she needed from us and was prompt in getting us pre-approved. When we did find the home for us, Cassandra was organized and clear about what we needed to do next to get the ball rolling. She updated us often on how the process was going and if she noticed there was any other information we needed to provide. Cassandra's attention to detail, organization, and hard work made locking a loan a very smooth and easy process for us. Overall Cassandra was kind, well-informed, organized, and prompt. She kept us apprised of the situation every step of the way and answered any questions we had quickly (even on weekends!). I knew we were in capable hands while working with Cassandra and I trusted her to do what was best for us. If you are interested in working with someone who will put in 130% and is up to date on what is happening in the market, work with Cassandra Wickholm, she'll help you finance for the home of your dreams. "
"Easy and trustworthy. Jeanne made things so simple and kept me informed throughout the process. I recommend her to anyone seeking a new or refinanced loan. "
"Jeanne was my loan originator and she did a great job in helping me with the loan application and the entire process. She is very detail oriented and knowledgeable. She explained and reviewed the options that I have and helped me to make the right decision that works best for me and my situation. I am happy with the service she provided and will definitely work with her again in the future and recommend her to anyone I know who is considering to purchase a property. "
"Jessica Marshall was exceptionally proficient. She took on my business as I was frustrated by my credit union’s slow response. She took time to explain my options, was patient answering my questions and rapidly replied to voicemail and emails during the process. I would recommend her to anyone. "
"Jessica Marshall was very professional, efficient, courteous and overall a joy to work with! "
"As a Real Estate Agent, I have had a pleasure of working with Jessica on numerous transactions and she is a consummate professional. She is pro-active, a great communicator, follows through on details and hits every deadline. I can't recommend her enough. "