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Frequently asked questions for Dash Mortgage Company, your mortgage lender Bellingham WA.

What is the meaning of your company name, Dash Mortgage Company?

Dash Mortgage Company was founded on the idea that the mortgage loan process should be a process that is done in a dash. While it can be a lengthy process – we want to make sure we’re doing everything we can to be as quick and efficient as possible. It is also the name of Michael’s land development company where he develops land into beautiful neighborhoods and constructs new residential homes, duplexes, triplexes, fourplexes (you name it!) for new homeowners to purchase and call home! We thought of a better way to streamline our companies and make them seamless. “Dash” was created using our children’s names – it is so special to us!

Why do clients trust us?

In front of every successful mortgage deal is a real person, dreams and real challenges. It is our passion and our job to help make those dreams come true.

Unlike banks, we are independent and work on your behalf. Our role as your mortgage lender Bellingham WA, is to shop across multiple lenders to find the best mortgage product for your needs and not the bank’s needs. We are not incentivized—we are independent and here to serve you. We are not here to sell a bank’s internal product.

Having access to more options means you will most likely get a better deal. We have access to hundreds of lenders ranging from major banks, credit unions, monoline lenders, alternative lenders and private lenders. This often gives us flexible terms, solutions for self employed and faster approvals. A bank or credit union can typically only offer two or three options, where a broker can find you 10-20 and find the best one that fits your needs.

A great part about working with us is we will save you time, stress and paperwork! We gather documents once, manage the lenders communications making sure nothing gets missed, translate the legal language so you can understand it, and we walk you through our process step by step, one percent at a time instead of spending hours and submitting to multiple banks you have one point of contact. We take care of all of it for you.

Like any profession, not all mortgage lender Bellingham WA are great. Where others may lack, we excel. We have lender relationships for all the loans we offer. That way, we know which lender to work with for your application. For instance, some lenders specialize with new immigrants, others work off of loan to value, some offer better rates for certain professions. These differences can be the difference between a quick approval or a long denial.

Is using Dash Mortgage Company better than going through a bank?

Yes. We compare multiple lenders, typically only access your credit score once, we have access to lower rates going through our volume discounts. We can typically negotiate better terms for your unique circumstances. Most people come to us after they are disappointed with the bank experience.

What kind of mortgages can Dash Mortgage Company help you with?

Dash Mortgage Company, the preferred mortgage lender Bellingham WA, offers first time home purchase, mortgage renewals, refinances, debt consolidation, investment/rental property financing, second homes and vacation properties, self-employed (nontraditional) income situations and private lending.

What is the difference between a mortgage broker and a mortgage lender?

A mortgage broker acts as an intermediary between the borrower and the lenders. A mortgage lender works at the lending financial institution that provides the actual funds for the mortgage loan.

Can Dash Mortgage Company help if you have a bad credit score or are self employed?

Yes, we most definitely can. We are often the best option for clients that have scores under 600, don’t have a traditional income, are new to the country or have high debt ratios. We have access to alternative lenders who consider your full financial picture, not just the credit score like banks and credit unions.

Do I have to pay a mortgage broker?

Typically, the answer is now. Specifically for a standard, residential mortgage loan. mortgage lender Bellingham WA are actually paid a commission by the lender once the mortgage is funded.

Where is your office located?

We are located in Washington state and serve all of Washington. Contact us by phone, email or text to connect.

What are the benefits of using a Dash Mortgage Company, a mortgage broker in Washington?

Mortgage brokers can save you time, money and stress by finding the best deals, negotiating fees and keeping the loan process on track.

How do I know if a mortgage broker is trustworthy?

When meeting with a mortgage lender Bellingham WA, you want to make sure that they’re license and registration is active, that they are transparent about rates and fees, their willingness to educate and explain, positive reviews and testimonials and no pressure tactics.

What is the difference between prequalification and preapproval?

Prequalification is an initial assessment of your financial situation, while preapproval involves a more thorough review of your finances and gives you a better idea of how much you can borrow.

What documents do I need to provide?

Common documents include proof of income, tax returns, bank statements and information about your debts and assets. Each lender, though, may have specific requirements.

How quickly can I get a mortgage?

Typically, an average timeline for obtaining a mortgage can be 30 to 45 days from application to closing, depending on the lender and your financial situation.

What do your clients experience?

Our clients are telling us, I finally felt like someone was in our corner. We explained everything and never made them feel stupid. They got me a solution that my bank wasn’t able to offer. I wish I had gone to Dash Mortgage Company sooner. It actually felt easy – I did not expect that. They answered every single question, even at night. They didn’t just try to sell me something, they found a loan that fit all of my needs. They were always looking ahead and solving issues.
We believe in the power of word of mouth. We have grown through the referral, not ads–that is something we are proud of. Friends tell friends, realtors, financial advisors, insurance agents refer us with confidence. When someone puts their name behind a referral to us, we take that seriously.