As a mortgage broker, we work for you—not the banks
We shop a vast wholesale network to find your perfect match.
Our efficient model keeps costs down—we pass the savings to you.
Fast & efficient—from application to keys in your hand.
We work for you, not banks—fighting for your best interests.
Four simple steps from application to keys in hand. We handle the complex parts so you can focus on finding your perfect home.
Apply online in just 10-15 minutes. Get your offer-ready letter the same day to start shopping with confidence.
Shop homes knowing your exact budget. We'll update your letter instantly as you make competitive offers.
Relax while we handle the heavy lifting—verifications, appraisal scheduling, and clearing any conditions.
Sign documents, we fund the loan, and the deed records. Then the best part—picking up your keys!
Making an offer? We'll generate a fresh pre-approval letter in minutes.
Use our interactive calculator to estimate your monthly mortgage payment including taxes, insurance, and HOA fees. See how different down payments and rates affect your budget.
Adjust the parameters below to see your monthly payment breakdown
$4,775
per month
Track your loan amortization and discover interest saving opportunities
Put 20% down to avoid PMI and lower your monthly payment
A 1% rate difference can save you $200+ per month
Keep housing costs under 28% of gross monthly income
Real experiences from families who found their dream homes
Based on 1,117 verified reviews
149 reviews
112 reviews
856 reviews
Brody and Thao are fantastic agents. They worked tirelessly in this difficult market to help us achieve our goal. We went through a lot together but they were there to support us all the way. They even managed to secure a loan in a different state that we finally purchased our home. I would definitely work with them again.
Monitored the market and provided guidance; used him for purchase and refinance.
Extremely responsive and proactive in the home buying process. They were accommodating and helped ensure a smooth, stress-free experience.
Steven was absolutely the best during each step of the home buying process. Always available to answer questions and address concerns; professional and fast. Highly recommended.
Steve made our first home buying experience easy and kept us updated every step. Excellent communicator and highly recommended.
Very knowledgeable and capable; dual signing made our purchase go like clockwork; great communication.
Steven is a very knowledgeable lender who helped me thru the home buying process quick and easily. He was always there to answer questions before and after hours which went way above and beyond. My agent loved working with him because he would always keep her updated, was easy to reach and helped us get through the closing seamlessly.
Thao and Brody were great at answering all questions, explaining all loan options and processes, and liaising with all parties involved in the home buying process. To Thao, Brody and the entire team, your support through this process was priceless - thank you!
Communicative, professional and extremely helpful in guiding first-time home buyers to a successful closing; highly recommended.
Thao & Brody are amazing! They helped my first-time home buyer clients navigate a successful closing with professionalism, communication, and expertise. They are truly seasoned professionals who I would highly recommend to anyone looking to purchase a home. Thank you, Thao & Brody!
Steven went above and beyond to ensure I understood all aspects of home buying. Patient, reliable and hard-working; ensured a smooth home buying experience.
Juan and his team were so great at explaining and answering all our questions! As first time home buyer’s we Thank you them as we have purchased our forever home!
Thank you team Kitsch! You made our home buying experience a dream. Fast and easy to work with for a smooth purchase.
I called Cody with a very unique situation as a 1st time home buyer. After I explained everything, he took ownership of the entire situation to get me the right answers and a request submitted. He and his team made the entire process easy by being there every step of the way. Thanks again!
Helped with two home purchases and several refinances; very knowledgeable and goes the extra mile.
Juan Carlos Baltazar's Knowledge and years of experience really show. He was kind enough to walk us through each of the steps to getting our loan approved. Overall, he is great with first time home buyers and will figure out how to best answer each of your questions. 5/5 recommend Juan Carlos when buying your first home in the Seattle/Tacoma/Bellevue Area.
My husband and I worked with Chris de Leon at Homeseed and he was amazing to say the least. Truly out of this world customer service. He replied to all texts, emails, and phone calls promptly and really took his time to explain the process and clarify anything to us as first time homebuyers. We felt really taken care of and valued and I would highly recommend working with him!
Chris De Leon has an amazing team of people that helped us make this home purchase happen. They are very professional and were quick to answer any questions we had. It didn't matter what time of day it was, they always answered our calls. They went above and beyond our expectations. We would highly recommend Homeseed and their excellent team! I
Mitch’s team was able to close my home purchase far ahead of the expected closing date while being able to support any questions I had throughout the entire process. I would recommend them to anyone looking to purchase or refinance.
I worked with the Juan on the purchase of my first home. The level of care, attention to detail, and professionalism demonstrated by him and his team far surpassed my expectations. As a first-time home buyer, I really appreciated the help the gave me throughout the mortgage process. His team stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns. I highly recommend homeseed and their team
Everything you need to know about buying your home, from credit requirements to closing day
We have loan options starting at 580 credit score for FHA loans, though 620+ opens more programs with better rates. VA loans have no minimum score requirement, and we even have portfolio lenders for scores below 580. Our 175+ lenders mean we can find solutions others can't. We'll also provide free credit improvement guidance if needed.
You can buy with as little as 0% down through VA or USDA loans if eligible. FHA requires just 3.5% down, and conventional loans start at 3%. We also work with down payment assistance programs that can cover your entire down payment. For a $400,000 home, you could buy with as little as $12,000-14,000 down, and sometimes less with assistance.
Absolutely! We help structure gift funds from family, employers, or non-profits properly. Many buyers don't know about the $10,000-30,000 in assistance programs available. We work with state grants, county programs, employer benefits, and non-profit assistance. Some programs are forgivable after 5 years, essentially free money.
Yes! Self-employed buyers are our specialty. We offer bank statement loans using 12-24 months of deposits instead of tax returns, perfect for those with write-offs. We also work with 1099 contractors, gig economy workers, and business owners. Our underwriters know how to maximize your qualifying income while staying compliant.
Previous financial challenges don't disqualify you. FHA allows purchases 2 years after Chapter 7 bankruptcy, 1 year after Chapter 13. VA requires 2 years from bankruptcy. Foreclosures typically require 3 years. We have lenders with even shorter waiting periods and will create your comeback plan.
Most pre‑approvals finalize in 24–48 hours once documents are in. We provide offer‑ready letters upon request.
Pre‑approval, home search, offer, underwriting, appraisal, clear to close, signing. We keep you proactive at each step.
Typically after a signed purchase contract. We’ll watch the market with you and recommend a lock window that fits your timeline.
Pre‑approval first is best. It clarifies budget and strengthens your offers. We can introduce great local agents if you’d like.
Typically principal, interest, property taxes, homeowner’s insurance, and if applicable, mortgage insurance (PMI).
Bigger down payment, points, or a longer term can lower payments. We’ll compare side‑by‑side so the trade‑offs are clear.
PMI protects the lender when down payment is <20%. It can fall off automatically as you build equity or be removed with a new appraisal.
Yes. We work with local and national down‑payment assistance and grant programs. Eligibility varies by income and location.
Commonly: recent pay stubs or income docs, W‑2s/1099s, bank statements, and ID. Self‑employed may provide additional documents.
Early is best—pre‑approval moves faster and helps your offers stand out. We’ll provide a secure portal to upload.
Avoid opening new credit lines, co‑signing, or making large unexplained deposits during underwriting. Ask us first—we’ll guide you.
Average is ~21 days. Appraisal and title timelines vary by market; we queue tasks early to keep things moving.
Typical validity is 60–90 days. We refresh quickly with updated docs if timelines extend.
You’ll sign final documents with a notary, funds are sent, and the county records the deed. Keys follow once recording is confirmed.
Our loan experts are here to help you navigate every step