Address: 425 Pontius Ave N Ste 430, Seattle, WA 98109, USA
Phone: +12067999966
Sunday: Closed
Monday: 7AM–5:30PM
Tuesday: 7AM–5:30PM
Wednesday: 7AM–5:30PM
Thursday: 7AM–5:30PM
Friday: 7AM–5:30PM
Saturday: 9AM–2PM
Liz Powell
I am a local real estate broker and I can't say enough about Jim Hoge as a great mortgage lender. We've worked together many times over the years and each time I am reminded what a great communicator and listener he is to his clients. Somehow deals go smoothly when Jim is involved. Highly recommend!
Molly Anderson
Jim and his team really went above and beyond for me! Getting financing secured for my condo was really complex due to it being a leasehold property with some other quirks in the fineprint. I was working with another lender who told me they can't finance my condo and then through my realtor I was connected with Jim. He and Angel put in a ton of work on my behalf to figure out if we could get financing approved and it all worked out in the end and now I am the proud owner of a condo in my dream location. He also did a great job explaining the whole process to me and making me feel at ease (I am a first time home buyer so I was pretty in the dark on what to expect). He was always quick to respond and was pleasant to work with. Thanks Jim!!
Sean Wang
We couldn't have found a better partner in Seattle's tough market. We worked with Jim for a long time until finally, being able to purchase a home. Jim and his team was the reason we were able to put in a competitive bid with confidence, and close in short time. We simply would not have been successful without Jim's professionalism, dedication, and sound advice. Please don't be fooled by just comparing rates, there is so much more that Jim offers. Not to mention, Jim is super competitive as well!
Minkyung Lowe
We worked with Jim Hoge to finance a home - not only was he intent on helping us complete the purchase, he was clear about what he needed from us, was informative and transparent about where we were in the process. All in all, it was a pleasure to work with him. Securing a mortgage isn't fun nor quick, but working with Jim made it a much easier and a much more pleasant experience than I'd experienced before. I would definitely work with him again and I would wholeheartedly recommend him to friends and family.
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Closing costs may include origination points, discount points, underwriting fee, processing fee, funding fee, broker fee, and tax service fee. Costs do not include fees charged by 3rd party providers including (but not limited to) appraisers, title companies, escrow, courier, etc. If there are material changes to the loan program or the rate due to Borrower/Client request and this request results in a change in costs, a revised Good Faith Estimate will be provided to the client and used for the purposes of this offer. Borrower/Client must meet all guidelines for loan approval and be able to satisfy the required conditions for funding.
One point is equal to 1% of your loan amount. It is important to remember that discount points are linked to the interest rate for the loan and therefore are a choice, not required. Generally speaking, the lower the interest rate, the higher the points paid. Sometimes it makes sense to pay the extra points and ‘buy’ the rate lower, sometimes it does not. This decision is yours to make, but we will review it with you in-depth and explain your options, the break-even, etc. to determine what final rate and point combination work for your particular circumstances. You can choose a ‘no-point’ option or can pay points to get a lower rate. If you choose to pay points and have a lower rate, they are paid when the loan closes, not at the time of application. Contact us for a consultation
Rates vary primarily based on the type and purpose of the loan, your credit history and income, loan amount, value of the property, and the number of points you are willing to pay. Once the rate is chosen and ‘locked’, we’ll guarantee the rate up to and including your expected close date.
Lenders use specific criteria to determine if you qualify for a loan and the amount you qualify for. Factors include credit scores, income, liquid assets (if any), and if you have a down payment. Because Seattle Mortgage Planners can shop over 50 different banks and lenders, we typically have a far larger product set from which to choose compared to a bank or credit union. We recommend the easy route: call us (no obligation) and speak with an expert who will clearly talk with you about which programs, rates, and payment plans will suit your needs. Seattle Mortgage Planners also allows you to apply and get pre-approved right here online – it’s fast and easy and Seattle Mortgage Planners charges no upfront application fee.
We have a calculator on our website that can help you figure out how much you can afford!
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