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A Division of City Mortgage Brokers, LLC MB#2158059

CONVENTIONAL MORTGAGE LOAN OPTIONS

Low Cost. Low Rate. Fast Time To Close

Over 150 Seattle home buyers have gotten a lower cost on their home loan, with Seattle’s Mortgage Broker

Competitive Interest Rates

Save money with a shorter term loan

Low down payment options

Seattle's Low Payment Conventional Mortgage Lenders

A conventional mortgage is a home buyer loan that is not secured by the federal government. SMB has been providing Seattle affordable quick close conventional mortgages for years.

Seattle Conventional Loan Products

Conventional

The obvious choice for the top-tier buyer! Comprised of some of the best conventional mortgage rates in Seattle, WA and pricing in the industry.

620+ FICO


Primary, second and investment properties


Loans up to: $766,550


Eligible for primary, second and investment properties on purchase, rate/term and cash-out refinances


LTV's as high as 97% on purchase and rate/term refinances


LTV's as high as 80% on primary home and 75% on second home and investment cash-out refinances


High Balance available for loan amounts over the county loan limit


First Time Home Buyer can do as low as 3%, purchase price would be: $747,986


Conventional Elite

SMB's Elite program allows you to close quickly, with less effort.


Loan amounts from $125,000 up to $766,550


Eligible for primary, second and investment homes


Includes conventional and high balance


Available on single- and multi-wide, condos and PUDs


Close most loans in 15 days or less by triggering the CD at initial underwrite.

The 5% down payment knockout.

Loan amounts starting at $766,550 up to $977,500 (can purchase up to 1m with 5% down)


Close your loan in 14 days or less by triggering the CD at initial underwrite


also works with the Elite products, fixed and ARMs

Elite High Balance

Elite High Balance offers some of the best conventional high balance rates and pricing for our top-tier clients. You'll receive industry-leading turn times, direct access to your file in process, and award-winning technology to keep you in the know.

Loan amounts from $766,550 up to county loan limit


LTV's as high as 95%


620+ FICO


Close most loans in 8 days or less by triggering the CD at initial underwrite


ARMS: 5, 7, and 10 Year

Conventional 5, 7, and 10 year

700+ FICO, up to 80% LTV


$125,000 minimum loan amount


Conventional Elite 5, 7, and 10 year

700+ FICO, up to 95% LTV


Primary, second, investment, purchase, rate/term and cash out refinance


700+ FICO, up to 80% LTV


Primary, second, and investment properties on purchase, rate/term and cash out refinance


Loan amounts from $125,000 up to county loan limit


Conventional High Balance 5, 7, and 10 year

620+ FICO, up to 95% LTV


Primary, second, investment properties on purchase, rate/term refinance and cash out refinance


Loan amounts from $766,550 up to county loan limit

Other Conventional Loan Products

Elite High Balance ARM

Are you a well qualified buyer looking for an ARM to accomodate higher a higher purchase price? The Elite High Balance 5/1 and 7/1 ARM products are great options.

700 FICO


Up to 95% Loan to Value


Appraisal Waivers Honored

MI Buster

UWM’s exclusive product that eliminates monthly mortgage insurance on loans with a higher LTV.

Conventional 30-year fixed only