The Best Mortgage Lenders in Mukilteo, WA
Compare verified mortgage lenders serving Mukilteo, Washington. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Mukilteo
Featured Mortgage Lenders
Travis Jones
Guild Mortgage
Travis Jones at Guild Mortgage is one of the highest-rated mortgage professionals serving the Mukilteo area with nearly two decades of experience. Specializing in first-time homebuyer programs and veteran loans, he maintains exceptional 4.9-star ratings across multiple review platforms. Guild Mortgage has been operating since 1960 and has a strong Pacific Northwest presence, known for personalized service and competitive rates. Clients consistently praise Travis for his responsiveness, expertise with complex loan scenarios, and guidance through the entire mortgage process.
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Mike Tassano
Cobalt Mortgage
Mike Tassano at Cobalt Mortgage serves the entire Snohomish County area including Mukilteo with outstanding 4.8-star ratings from over 140 clients. With expertise in construction loans and jumbo financing, he's particularly well-regarded for handling complex transactions in the competitive Puget Sound market. Cobalt Mortgage, founded in 2005, has built a strong reputation for local expertise and competitive pricing. Mike receives consistent praise for his attention to detail, clear communication, and ability to close loans efficiently in tight timelines.
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HomeStreet Bank
HomeStreet Bank
HomeStreet Bank has been serving Washington communities since 1921 and maintains a strong presence throughout Snohomish County with multiple branches serving Mukilteo residents. With 4.7-star ratings from hundreds of customers, they offer comprehensive mortgage services including specialized construction lending and competitive jumbo loan options. As a community-focused bank with deep local roots, they provide the advantage of local underwriting and decision-making combined with the resources of an established financial institution. Customers consistently note their professionalism, competitive rates, and smooth closing processes.
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Frequently Asked Questions
Common questions about mortgage lending in Mukilteo, WA
Are there any special mortgage considerations for buying a home in Mukilteo's waterfront or bluff areas?
Yes, purchasing waterfront or bluff property in Mukilteo often requires additional steps. Lenders may require specialized flood insurance (even outside FEMA-designated zones) and more rigorous property inspections for erosion or geological stability. These factors can influence the loan approval process and may require a larger down payment from some lenders.
What are the current mortgage rates like in Mukilteo compared to the rest of Snohomish County?
Mortgage rates in Mukilteo are generally aligned with national and regional averages, but your specific rate is influenced by credit score, loan type, and down payment. Due to Mukilteo's desirable location and higher-than-average home values, lenders may view loans here as low-risk, but you should always shop around with local credit unions like Coastal Community Bank or First Fed, which are familiar with the market.
Are there any down payment assistance programs for first-time homebuyers in Mukilteo?
While Mukilteo itself doesn't offer a city-specific program, buyers can access several Washington State programs, such as the Washington State Housing Finance Commission's (WSHFC) Home Advantage or House Key Opportunity programs. These offer competitive interest rates and down payment assistance, which can be crucial in Mukilteo's competitive market where the median home price is above the state average.
How does Mukilteo's proximity to Boeing and other aerospace employers affect mortgage lending?
Lenders in the area are very familiar with the stable employment and income patterns of aerospace employees. If you work for Boeing or a related contractor, you may find streamlined verification processes. Some local lenders even have specific loan programs or considerations for aerospace workers, recognizing the industry's dominance in the local economy.
What should I know about property taxes and insurance when calculating my mortgage payment in Mukilteo?
Mukilteo has a property tax rate that is a combination of city, county, school, and other district levies. Your annual property tax will be a significant part of your monthly escrow payment. Additionally, due to its coastal location, wind and earthquake insurance endorsements are common recommendations from lenders, which can increase your overall monthly housing cost beyond a standard homeowner's policy.
Why Choose a Mortgage Lender in Mukilteo?
Local Market Knowledge
Lenders who understand Mukilteo's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Washington.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Mukilteo and get competitive rates on your home loan.