Services

Bellevue and Seattle
Home Loan Services

At Homestead Mortgage, we offer a range of lending options tailored to fit the diverse needs of Washington area homebuyers. Our mission is to deliver an exceptional mortgage experience grounded in integrity, transparency, and local expertise. Explore our services below:

Purchase

Buying a home? Whether you’re eyeing a classic Seattle townhouse or a modern Eastside condo, we’ll guide you through your financing options with clarity and confidence.

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Refinance

Whether you’re seeking to reduce your monthly payments or access your home’s equity, we’ll help you determine if refinancing will help you achieve your financial goals.

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VA Loans

We believe in serving those who served us by making the VA loan process accessible and beneficial. Let’s maximize your benefits so you can secure a home.

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Reverse Mortgage

A reverse mortgage can help you access your home’s value without giving up ownership. If you’re eligible, this option lets you turn your home equity into cash for more financial flexibility in retirement.

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Home Equity Line of Credit (HELOC)

A HELOC lets you borrow against your home’s value when you need it. This can be a flexible way to fund home improvements, pay off debt, or cover big expenses. We’re here to help you decide if a HELOC is right for you.

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Home Equity Loan

Do you need a lump sum for a big expense? A home equity loan allows you to borrow a fixed amount against your home’s value, with predictable monthly payments and a stable interest rate.

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Ready to take that next step?

Not sure how much home you can afford? Thinking about refinancing? Use our tools and resources to find the answers you need.
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QUESTIONS & ANSWERS

Frequently Asked Questions

If you have more questions, please call us at (206) 391 6396
or email us at bryant@bryantluke.com

What documentation do I need to provide?
On salaried wage earners, we will ask for W2’s, recent paystubs, bank statements, driver license, and if applicable current mortgage statements. For self-employed borrowers, minimum 2 year tax returns, bank statements, driver license, if applicable current mortgage statements/business K-1’s.
What is the difference between pre-approved and pre-qualified?
When a homebuyer is pre-qualified, he or she has provided the lender with the basic information such as paystubs, bank statements, W2’s, etc. to determine which loan program the homebuyer may qualify for. When a homebuyer is pre-approved, the lender has collected, verified and submitted the information needed for underwriting and approval.
What are the closing costs?
Closing costs include items like appraisal fees, title insurance fees, attorney fees, pre-paid interest and documentation fees. These items are usually different for each customer due to differences in the type of mortgage, the property location and other factors. You should receive a loan estimate of your closing costs in advance of your closing date for your review.
What is mortgage insurance and why is it required?
Mortgage insurance protects the lender against taking a financial loss in the event the borrower stops making payments. It is required on mortgage programs that require little or no down payment and the lenders exposure is greater than 80% of the purchase price or appraised value, whichever is less.
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