Sammamish Mortgage Reviews

Sammamish Mortgage publishes current mortgage rate examples online, and its site shows rates can vary by state, loan program, borrower profile and points. Recent examples include conforming 30-year fixed rates starting at 5.375% and jumbo 30-year fixed rates starting at 5.500%, depending on your location. For reference, the national average 30-year fixed-rate mortgage is 6.37%, according to Freddie Mac.

Sammamish Mortgage promotes a free rate quote tool and says you can compare rates without hurting your credit. For the most accurate rates based on your individual situation, contact Sammamish Mortgage or get prequalified on its website.

Sammamish Mortgage offers a variety of mortgage products, including:

• Conventional
• Jumbo
• FHA
• VA

Its website also highlights bridge loans, construction loans, rehab loans, cash buyer programs and investor programs.

Sammamish Mortgage loan maximum

The maximum loan you can get with Sammamish Mortgage depends on the type of loan you apply for and your financial qualifications.

In most of the country, conforming loan limits in 2026 are $842,100 for single-unit properties. In Alaska and Hawaii, the limit is $1,263,150. Limits in high-cost counties in the other 48 states can exceed $842,100 but are never higher than the ceiling set for Alaska and Hawaii.

Below are the basic requirements borrowers must meet to qualify for a loan with Sammamish Mortgage.

Sammamish Mortgage minimum credit score

The minimum credit score requirement for a loan from Sammamish Mortgage depends on the type of loan you apply for:

• 620 for a conventional loan
• 680 for a jumbo loan
• 580 for an FHA loan
• 620 for a VA loan

Even if you can’t meet these credit score requirements, you might be able to apply for a nonqualified mortgage through another lender. Note that this will likely result in a higher interest rate.

Sammamish Mortgage minimum down payment

The minimum down payment for Sammamish Mortgage depends on the loan program and borrower profile:

• 3% for a conventional loan
• 10% for a jumbo loan
• 3.50% for an FHA loan
• 0% for a VA loan

Conventional loans typically require a higher credit score and down payment than you’d need for a government-backed mortgage, but individual cases may differ.

Sammamish Mortgage maximum debt-to-income ratio

Sammamish Mortgage says debt-to-income (DTI) limits depend on the loan program and the borrower’s financial profile. The company notes that many borrowers may still qualify with a total DTI ratio of around 45% to 50%, while FHA-insured loans may allow higher ratios in some cases.

The application process at Sammamish Mortgage is designed to be completed entirely online, though you can also apply by phone or in person. To begin, you will need to provide documentation regarding your income, assets and employment history.

Sammamish Mortgage application features

» LEARN: How to get a mortgage

One of the primary advantages of this lender is its "no-fee" structure on most loans, meaning it doesn’t charge standard fees like application or processing fees. Its site also promotes $1 lender fees and guaranteed closing costs, though third-party charges can still apply.

We recommend that you plan to pay between 2% and 5% of your loan amount in total closing costs, in addition to your down payment. These typically include:

• Origination fees: Often 0.5% to 1% of the loan amount.
• Third-party fees: Title insurance, government recording fees and appraisal costs.