Specializing in WA Mortgages, Washington Home Loans, Manufactured Lending, Mortgage Branching

Originally created back in 2009, the HARP (Home Affordable Refinance Program) has now been E-X-P-A-N-D-E-D with broader lending guidelines! In many cases: 

  • NO APPRAISAL MAY BE NEEDED
  • NO CAP on Loan to Value Limits*
  • Reduced Loan Documentation
  • No Mortgage Insurance regardless of Loan to Value if your current loan doesn't have PMI
  • Little or no cash-to-close expense
  • Incentives to refi to shorter terms such as 25, 20 & 15 years
  • YOUR ability to take advantage of HISTORICALLY LOW RATES!

Click to check your HARP Eligibility

*The Home Affordable Refinance Program is designed specifically to help borrowers who may be ineligible for traditional refinancing due to loss of home value or because they have little (or no) equity. Like other refinancing options, with HARP you receive a completely new mortgage with new terms, interest rates and monthly payments. The new loan completely replaces your current mortgage and may lower your payment, which could help improve your monthly financial situation. While the revised HARP Guidelines dictate that the Loan to Value Caps have been lifted, there are still possible Loan To Value limits imposed by the investor who owns your loan. There are qualification requirements and some restrictions apply. Please contact us for details and to check your loan's refi eligibility.

 

Equal Housing Opportunity Lender. Not a commitment to lend. Rates, programs, fees and guidelines are subject to change without notice. *Contact your Loan Officer for details, additional restrictions may apply. Land Home only conducts business in states we are approved to. Restrictions may apply. Land Home Financial Services. 22525 SE 64th Place, #220, Issaquah, WA 98027. Washington Consumer Loan Branch Office License - CL-89331. NMLS #89331.

 

You Are About To Discover All The Information You Need To Make An Informed Decision About Obtaining A Mortgage in Washington

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Dear Neighbor,

My name is Michael Patterson, and I am your local WA Region Branch Manager for Land/Home Financial Services, Inc.

I want to thank you for taking the time to visit our website, where I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current mortgage. We are dedicated and experienced Mortgage Consultants and have representatives that serve Washington and 41 other states, plus Washington DC. 

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...
Issaquah Home Loans - Issaquah Mortgages, Issaquah Real Estate

Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

Although sharing these secrets may not make me popular with the other Washington mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.
There is no obligation and your e-mail privacy is safe with us.

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking to refinance in Washington you will find that this site is a complete resource full of insider secrets that will allow you to choose the loan program best suited to your financial needs.

We make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the loan you need for the home you want.

Make sure you register to receive our Free Homebuying Guide and Insider Mortgage Reports, browse our Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my Issaquah, Washington office at 425-289-1102. We are here to help you with all your mortgage needs.



Got a Quick Question You Want Answered Today?

Click the "Ask A Question" button below to send us a message by email or feel free to call my Issaquah, Washington office at 425-289-1102.

 

Before you leave, make sure you review the Washington Home Buying Resources, Insider Reports and  Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

 

 

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  Michael Patterson
WA Region Branch Mgr
MLO # 69386


I'm very satisfied with my loan officer, Michael Patterson. He provided excellent service for us. He helped us close the loan within the tight timeframe. We got pretty good rate. Our case is some complicated. He worked with the city and resolved the issue. Without his help, we won't be able to close the deal. I highly recommend him! 

Cynthia Tian - Microsoft, Bellevue, WA

"Are these guys for real!?!? As if buying a home is not stressful enough, try finding a home, getting financed and moving all within 3 weeks! This was not our first home purchase but it was by far the easiest. I will be the first to admit I am a very demanding client and ask a million questions, several times a day, 7 days a week. Both Michael and Kenton were highly receptive to our needs and worked well over their shift hours to accommodate our needs and concerns. Never did I feel un-important or "set aside". I trusted each one of them during the entire process and I will never recommend anyone else for loan services other than them. I consider them friends and could not speak more highly of their professionalism, hard work, dedication, commitment and optimism. If you’re looking for a lender that thinks outside the box; these are your guys. They took part in providing my family our dream home we never thought was possible. Thank you! "

Tayler T
Puyallup, WA

Michael did an absolutely fantastic job on closing this loan. I had a particularly tricky refinance situation - with all sorts of snags - and Michael was always there doing the blocking and tackling to keep the ball moving forward. I haven't worked with a better lender and definitely recommend him. I'm sending all of my friends and family to Michael.

Lilnellie, Seattle, WA 

"Joe Sissel and Lauri Ragus - Kenton Becker was referred to us thru our Real Estate Agent. He provided us with professional, prompt and a consistent high level of customer service. We were in daily contact with Kenton and he was easy to reach in times of stress when buying a new house. If I left a message for Kenton, he always returned my call within 15 minutes. He helped with any paperwork that we did not understand. I am a Branch Operations Manager for a bank and deal with the public on a daily basis, I know how important customer service is and how important it is to my customers to be available to answer questions and find solutions for them. Kenton showed all of that and more. He is a kind person and makes you feel very comfortable. He is an asset to your company and you should feel fortunate that he has chosen your company to work for. "

Lauri Ragus, Puyallup, WA

"We are extremely pleased with our experience in working with Michael Patterson. He was very articulate and detailed in explaining to us and guiding us through the refinance process. We are extremely happy with our interest rate! We'll definitely refer our friends and use Michael in any future loans. Thank you to Michael Patterson!"

Steve & Sue Whittier, Gig Harbor, WA

PROFESSIONAL TESTIMONIAL:
"Recommending Michael, Wow... what can I say? He is extremely professional, ethical, personable, tenacious and truly a knowedgable thinker. Wearing so many hats; from managing the staff, keeping up with mortgage compliance, taking individual loan applications, to rolling up his sleeves and processing individual loan files when the staff is overrun. He not only keeps up, but excels! I truly would recommend Michael's work and character for any endeavor."

~December 2, 2008, Gregg Levin, Mortgage Banker, Sales Manager, Misc. Banks & Mortgage Companies
Mike and I are so happy with the results of our refinance. We really were able to accomplish all of our goals. I am amazed that we were able to get a lower interest rate, a lower monthly payment, and still get cash out to pay off other debt...which will save us even more money. You knew what you were doing and did everything possible to make this process easy and successful for us.

Thank you, thank you, thank you!

Again, I couldn't be more thrilled with how everything turned out.

All my best,

Lindsey (and Mike) Corley, Kirkland, WA
Kenton,

I would like to take this time to sincerely thank you for a great job done and your absolute professionalism in handling my home loan. From the moment we first conversed I know I could rest assured that you would get the job done. You kindly led me through all the steps needed to make my dream come true even when here were a couple of tense moments. Your courteous demeanor definitely kept me grounded and focused.

I will highly recommend you to friends and family. My realtor was also very impressed with your work and I believe has already referred someone to you.

Again, I cannot express my gratitude. You are an absolute asset to your company.

With much love to you,

Yvonne Lebron, Yelm, WA

Kenton Becker's service was outstanding all through the process. I have done 15 - 20 loans and My experience with Kenton was great. He always returned my calls or E-mails promptly and got me the information I requested.

Ken Morris, Everett, WA

I contacted Kenton Becker to inquire about potential Lease Option investment properties available. Kenton was very helpful throughout the entire process. He explained the entire process and the different services that they coul provide. Once I made a decision to move forward with a lease option investment he helped me find both a property and tenant to fit my current investment needs.

Kenton handled the entire mortgage process and was always available to answer questions and address any concerns that came up. He was very flexible around my busy schedule which made the application process through to closing a very painless procedure.

I now have a property that is producing positive cash flow every month as well as a very happy tenant that has every intention to exercise their lease option after one year.

Zack Ketter, Kent, WA
“My experience was very positive. I really believed it would be impossible to get into the home of my choosing, and be in a position to own it and build equity considering my credit score. Kenton and Aaron helped me find the perfect home. They accomplished it all according to the timeline requested and they communicated every step along the way. Every promise, every hope, every part of this transaction came together just as they said it would. Truly, they are men of integrity."  

-Gail Kurpgeweit, Issaquah, WA
"I really enjoyed working with Kenton, he was very effcient and always followed up right away. It was a pleasure work with him. "

Benjamin Atwell
puyallup, Washington