Top 3 Mortgage Lenders in Ocean Shores

Timberland Bank stands as the premier local banking institution serving Ocean Shores directly with a physical branch in the community. With over a century of operation, this community-focused bank offers personalized mortgage services with deep local market knowledge. Their mortgage team understands the unique coastal property considerations in Ocean Shores, including flood zones and vacation home financing. Customers consistently praise their responsive service, local decision-making authority, and competitive rates for both primary residences and investment properties in the Grays Harbor area.

Kitsap Bank has established itself as a trusted regional lender serving the entire Washington coast, including Ocean Shores. While headquartered in Port Orchard, they maintain strong presence throughout Western Washington with specialized knowledge of coastal communities. Their mortgage team excels at handling unique property types common in Ocean Shores, including waterfront homes, vacation properties, and rural residences. Customers appreciate their streamlined application process, local underwriting, and commitment to community banking principles despite their regional reach.

Pinnacle Capital Mortgage has earned exceptional ratings as a mortgage broker serving the entire state of Washington, including Ocean Shores and coastal communities. Their broker model allows them to shop multiple lenders to secure optimal rates and terms for borrowers. Specializing in complex financing scenarios, they're particularly skilled with second homes, investment properties, and unique coastal real estate common in Ocean Shores. With hundreds of verified 5-star reviews, they're praised for their expertise in navigating challenging loan scenarios, responsive communication, and ability to close loans efficiently across Washington state.