Great Service
Great Rates

  • Real-time rates and detailed costs online 24/7.
  • $1 lender fee.
  • Local, in-house underwriting.
  • Five-star client experience from start to finish.

Sammamish Mortgage Partner

Our Reputation Speaks For Itself

Plus Many More, 400+ More...

The Sammamish Mortgage Difference

Innovative programs and strategies you need to get offers accepted in today’s competitive house market.

Sammamish Mortgage vs. the Competition
Compare over 20 banks, lenders and investors from our network in seconds
$1 Lender Fee
In-house underwriting
Real-time custom rates and costs available online 24/7
Underwritten Pre-approvals
Bridge Loans and Cash Buyer Programs
Sammamish Mortgage
Mortgage Brokers
Sometimes
Rarely
No
Rarely
No
Rarely
Big Banks
No
Rarely
Rarely
Rarely
Sometimes
No
Online Lenders
Rarely
Sometimes
Rarely
Sometimes
Rarely
Rarely
Sammamish Mortgage vs. the Competition
Sammamish Mortgage
Mortgage Brokers
Big Banks
Online Lenders
Compare over 20 banks, lenders and investors from our network in seconds
Sometimes
No
Rarely
$1 Lender Fee
Rarely
Rarely
Sometimes
In-house underwriting
No
Rarely
Rarely
Real-time custom rates and costs available online 24/7
Rarely
Rarely
Sometimes
Underwritten Pre-approvals
No
Sometimes
Rarely
Bridge Loans and Cash Buyer Programs
Rarely
No
Rarely

Empowering tools to help you choose your right mortgage

Full Transparency - Instant Estimates - No Obligation

Compare Mortgage Purchase and Refinance Rates in your area instantly

No obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.

Compare Mortgage Rates in your area instantly

No obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
  • checked item No Email
  • checked item No Credit Check
  • checked item No Phone Number or SSN Required
KimberlyNoLender

Straightforward Pricing with a $1 Lender Fee

We believe mortgage pricing should be clear, honest, and easy to understand. That’s why our lender fee is just $1—no inflated charges, no confusing line items.

What this means for you:

  • Lower upfront expenses

  • Pricing you can trust from day one

  • No surprise lender fees later in the process

You receive competitive interest rates and expert guidance—without paying for unnecessary overhead.

Get Started

In-House Underwriting for Faster Closings.

Many lenders rely on third-party underwriters, which can slow things down. We don’t. Our underwriting is handled internally, allowing us to move efficiently and stay in control of your loan.

Benefits of in-house underwriting include:

  • Faster approvals and smoother timelines

  • Clear communication with the decision-makers

  • Fewer delays and last-minute issues

The result is a streamlined process built around your schedule—not the lender’s.

Get Started
KimberlyNotOutsource

Licensed Mortgage Professionals Serving WA State, ID, OR, CA, and CO

We work with buyers and homeowners throughout WA, ID, OR, CA, or CO, offering mortgage solutions tailored to each state’s regulations, loan limits, and market conditions.

Mortgage guidelines can vary significantly by state. Working with a properly licensed professional ensures your loan is structured correctly, remains compliant, and aligns with your long-term financial goals.

We offer a wide range of mortgage programs, including:

  • Home purchase loans
  • Refinance solutions
  • Conventional, FHA, VA, and Jumbo loans
  • Programs designed for first-time homebuyers

No matter where you’re located in WA, ID, OR, CA, or CO, you’ll receive the same transparent pricing, efficient underwriting, and high-level service.

Kimberly Terry

Apply Online — Simple, Secure, and Convenient

Getting started is easy with our secure online application. Whether you’re purchasing a home, refinancing, or exploring your options, we’re here to guide you every step of the way—with clarity, confidence, and no surprises.
  • Complete your application in minutes
  • Upload documents safely
  • Track progress with support from our team
Apply Online — Simple, Secure, and Convenient
HIGH CUSTOMER RATING Google Average Points CLIENTS REVIEWS
We have been working with Kimberly now for over 30 years, and I can honestly say we have never had a single complaint. She consistently goes above and beyond—not only for us but for every person we've referred to her along the way. One memorable moment was when we were casually looking at open houses on a Saturday, and we reached out to her. Without hesitation, she jumped in full force to help us, demonstrating her dedication and commitment. I trust Kimberly implicitly to assist any of my family and friends, and I would confidently put money on her to help anyone out there. If you want a lender who truly cares and delivers exceptional service every time, she is the one to call, PERIOD!
T
Traci September 04, 2025
This is the 3rd time using the Kimberly Terry Team for my home purchase and for good reason! They are responsive and helpful in navigating the loan process.
L
Levi Nichols August 21, 2025
From beginning to end, this has been a perfect experience. Kimberly is in a league of her own. Unbelievably knowledgeable, so dedicated to her customers and so kind. I'm beyond impressed.
C
Christopher Palazzo August 14, 2025
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Connect with a Mortgage Advisor Today!

Whether you’re buying a home or ready to refinance, our professionals can help.

Compare Mortgage Rates in Your Area Instantly

No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.