Mortgage Broker · Seattle, Washington
PierPoint Mortgage in Seattle, WA
PierPoint Mortgage helps mortgage lenders seattle borrowers by acting as a mortgage broker, not a bank, and Shannon Swartz shops applications to competing wholesale lenders. Serving Seattle homebuyers from our Muskegon, Michigan headquarters — fully licensed in Washington, 100+ wholesale lender partners, $0 broker fees, 24-hour pre-approval.
★★★★★ 4.9 · 152 reviews·NMLS #112844·Founded 2003 · 20+ years
SERVICE AREAS
Proudly Serving Washington & the Top 14 Metros
Our licensed mortgage team has helped thousands of Washington homebuyers compare rates from 100+ wholesale lenders. Click any city below to see local loan limits, rates, and FHA programs — or call (231) 737-9911.
ABOUT THIS LOCATION
About Our Seattle, WA Mortgage Services
Washington markets are bimodal — Seattle metro premium pricing vs. affordable Spokane and Yakima. PierPoint Mortgage helps Seattle homebuyers win in this market by comparing rates across 100+ wholesale lenders, securing 24-hour pre-approvals that real estate agents trust, and structuring loans (FHA, VA, conventional, jumbo, DSCR) tailored to Washington’s loan limits and regulatory environment.
We’re licensed by the Washington Department of Financial Institutions and have been originating mortgages in Washington since 2003. While our headquarters is in Muskegon, Michigan, our entire process is digital — application, document upload, e-signature, and closing coordination all happen remotely. Seattle clients don’t need to visit a physical office.
LOAN OPTIONS
Mortgage Products Available in Seattle, WA
FREQUENTLY ASKED
Seattle Mortgage Questions
Mortgage rates in Seattle track national rates but vary by loan type, credit score, and down payment. PierPoint Mortgage compares quotes from 100+ wholesale lenders in real time. Call (231) 737-9911 for today’s rate.
Down payment minimums in Seattle depend on loan type: 3% conventional, 3.5% FHA, 0% VA (for eligible veterans). Washington also has state-level down-payment-assistance programs that can lower out-of-pocket costs significantly.
Yes — PierPoint Mortgage LLC (NMLS #112844) is licensed by the Washington Department of Financial Institutions to originate residential mortgages in Washington, including Seattle and all surrounding service areas.
No. Our entire process is digital — application, document upload, e-signature, and closing. Seattle clients work entirely with our team by phone, email, and our secure online portal. No in-person office visit required.
24 hours for most files. Submit your documents in our portal Monday morning, get your pre-approval letter by Tuesday morning — ready for your real estate agent to use on Seattle listings the same week.
PierPoint Mortgage is a mortgage broker, not a bank. That means Shannon Swartz and the team take your application and shop it to more than 100 wholesale lenders so the loan fit, pricing structure, and guidelines can be compared in one place. It is a strong option for Seattle buyers who want a broker-led process with online application and remote closing.
A mortgage company may fund only its own products, while a broker can compare offers across wholesale lenders. PierPoint Mortgage operates that broker model in Seattle, which helps borrowers review conventional, FHA, VA, jumbo, and other options without starting over at each lender. The goal is a clearer comparison and a smoother approval path.
Yes. A strong pre-approval from a broker can help Seattle buyers understand budget, document needs, and loan eligibility before they make an offer. PierPoint Mortgage uses a fully digital process, so the application, document upload, and e-sign steps can move quickly without an office visit. That is especially helpful when timing matters in a competitive market.
Online mortgage lenders can be a good fit when you want to complete the process from home. PierPoint Mortgage offers a digital path for Seattle borrowers, including online application, secure document upload, and remote closing. You still get a licensed mortgage broker reviewing the file and checking lender availability across its wholesale network.
Yes. Comparing mortgage lenders can help you see which loan structure, documentation request, and underwriting path fits your file best. In Seattle, PierPoint Mortgage compares options across more than 100 wholesale lenders rather than steering you to one in-house product menu. That can be useful for buyers, refinancers, and investors who want a broader loan search.
