425 - 551 - 9230
WELCOME!

We're a local mortgage company with a big heart for helping you finance your home.

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TRASNPARENCY
HONESTY
INTEGRITY
TRASNPARENCY
HONESTY
INTEGRITY
WHAT WE DO

We help our clients buy or refinance their home in Washington.

Get access to low mortgage rates, efficient processing (this drives our fast closings), our favorite wholesale partners, and exceptional service.

WHO WE WORK WITH

We'll work with everyone from first-time homebuyers, to experienced homeowners.

Getting a home loan shouldn't be so complicated. We make the process stress and worry-free.

You don't need to be a mortgage expert to get the loan that's right for you. We'll work with you each step of the way to guide you through the process. We'll arrange your financing, connect you to a realtor (or we'll work with yours), and coordinate a smooth closing.

OUR ADVANTAGES

Why LUM?

01.
a 1-on-1 service that's reliable
02.
low interest rate programs
03.
we build our own tech in-house.
04.
lightning fast pre-approvals*1
05.
ridiculously attentive to detail
06.
100% virtual — if you need it*2
Disclaimers:
1. Pre-approvals subject to credit approval. Final approval subject to property and credit approval.
2. 100% virtual services/closings may not always be possible and will depend on your escrow/settlement agent, availability of a virtual/mobile notary, etc. Applicants may need to conduct certain non-virtual activities, including but limited to hosting an appraiser at their home or subject property, traveling for a closing appointment, etc. We know you're busy, and we want to be efficient with your time. We try our best to make as much of the overall process as digital as possible.
popular loan PROGRAMS

And we'll work hard to find a program that fits your needs:

Purchase
Refinance
01
Conventional

A variety of options and with excellent advantages for those who qualify.

Commonly interchangeable with 'conforming loans,' since they are required to conform with Fannie Mae and Freddie Mac's underwriting requirements and loan limits.

Benefits

Purchase
Refinance
02
FHA

Makes buying a home with less-than perfect credit or little money down reality.

FHA loans have been helping people become homeowners since 1934. Low down payments, low closing costs, and relaxed lending standards.

Benefits

Purchase
Refinance
03
JUMBO

Perfect if your loan amount goes beyond conforming loan limits

If you need a mortgage that exceeds conventional loan limits, you may qualify for a loan of up to $3 million with a JUMBO loan product.

Benefits

Purchase
Refinance
04
VA

Loans specifically for military-serving citizens and their families.

A VA loan is a low or no down payment mortgage available for service members, veterans, and select surviving spouses.

Benefits

Purchase
Refinance
05
USDA

For borrowers that need help buying a home in a suburban or rural area.

A low or no down payment mortgage with low rates for borrowers in USDA-eligible rural and suburban areas that meet regional income requirements.

Benefits

Purchase
Refinance
06
Non-QM

Loan products for borrowers who need alternative ways of qualifying.

Ideal for real estate investors, self-employed individuals, and borrowers who require unique methods of qualifying for a loan.

Benefits