Financing for Homes in Bellingham

Searching for a home in Bellingham or beyond? Let us help with your financing! Whether you’re a first-time homebuyer, a repeat buyer, or looking to refinance, our loan officers offer specialized resources and personalized options. Let’s get you pre-approved for a mortgage in your desired neighborhood—from Bellingham to select states nationwide.

Find Your LO

Branch Info

Branch Manager

Ian Mullen

Contact Us

[email protected]
Phone: 360.318.7685
Fax: 360.777.6106

Address

220 West Champion St
Suite 200
Bellingham, WA 98225

Business Hours

Monday – Friday
9 AM – 5 PM

Loan Officers in Bellingham

Licensed in select states nationwide, our loan officers based in
Bellingham will create a custom financing solution to meet your goals.

Akash Bhathella

Loan Officer | NMLS#: 2599352

Ian Mullen

Loan Officer | NMLS#: 666737

Kurt Kvamme

Loan Officer | NMLS#: 1306442

Kyle Smith

Loan Officer | NMLS#: 2234536

Luis Gonzalez

Loan Officer | NMLS#: 2090153

Are You a First-Time Homebuyer?

As a first-time homebuyer, you might have questions about financing and understanding the process. With our knowledge and specialized resources, we’re here to help you every step of the way.

Homebuying Benefits

Long-term stability

Tax benefits to owning

Build equity and wealth

Appreciating assets

Predictable monthly payments

A secure retirement

How We Add Value

Community lender

Award-winning service

Certified Pre-Approval

17-Day Close Guarantee

Modernized process

Wide variety of loan programs

Financial guidance for life

Loan Options

We have several programs to help your financial goals

Traditional Loans

Conventional

Conventional loans offer advantages for those who qualify and offer financing for property types that are commonly restricted by other loan types.

FHA

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications make this loan the easiest loan for buying a home or refinancing. Save money with lower interest rates on FHA loans. We are here to help you with your planning and pre-approval process.

Jumbo

A jumbo loan is a type of mortgage that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These limits vary by location but are generally higher in areas with expensive real estate markets. With a choice between fixed or adjustable rates, a jumbo loan offers flexibility for home financing for larger loans.

USDA

The USDA loan program is designed to provide low-to-moderate-income families the opportunity to purchase a home in rural and suburban communities. USDA loans make buying a home more accessible by providing 100% financing—meaning no down payment is required.

Trending Programs

Community Lending

This unique opportunity doesn’t have any first-time homebuyer requirements and may create hundreds of dollars worth of monthly savings.

Buy Before You Sell

Worried about contingencies holding purchase back? Our partnership with Homelight allows homeowners to buy a home before selling their current home.

Down Payment Assistance

With assistance options in the form of loans and grants including as low as 0% down payment, you can purchase a home without draining your savings account!

Earn the benefits of a VA loan—a powerful tool to help you achieve homeownership with incredible benefits, including no down payment and flexible terms.

…and so much more

Frequently Asked Questions

What is mortgage pre-approval, and why is it important?

Pre-approval is a lender’s conditional commitment to loan you money based on your income, credit, and financial situation. It helps you understand your budget and makes you a stronger buyer in competitive markets.

What are closing costs, and how much should I expect to pay?

Closing costs cover lender fees, title insurance, taxes, and other expenses. They typically range from 2% to 5% of the home’s price. Some sellers may offer to help cover these costs.

How much money do I need for a down payment?

Down payments typically range from 3% to 20% of the home’s price. Some loan programs, like FHA, VA, and USDA loans, offer low or no down payment options.

How do I securely provide my documents?

The best way is through our RWM Fluid App portal where you completed the application. You can either log in via desktop or download the mobile app for easier access.

Why do I need to provide everything upfront?

Purchasing a home has many moving parts, and we want to set you up for success. We pre-underwrite our loans to ensure your offer is strong. In order to achieve an underwriting pre-approval, we must request documents upfront, which also saves you time once you’re under contract.

What documents do I need to provide?

Once you have completed your application, our team will update your portal with all the required documents. We don’t want you to gather anything unnecessary, so we customize each needs list to our client and scenario.

What if I don’t have an answer to a question on my application?

Fill it out as much as you can and give us a call when you encounter any questions that aren’t clear or applicable. We will walk you through the process and they can always add to it later.

Homebuying resources for Bellingham and beyond