Business Details
Your Trusted Mortgage Partner in Seattle
West Seattle Mortgage has dedicated itself to transforming homeownership dreams into reality with a unique blend of local expertise and three decades of industry experience. Our approach centers on building a robust network of over 100 lenders nationwide to secure competitive rates while prioritizing personalized service tailored to each client's specific needs. As a locally-owned mortgage brokerage, we combine deep community knowledge with access to national lending resources to provide transparent guidance through every step of the mortgage process. Our team of certified professionals maintains NMLS licensure and focuses on delivering customized solutions that align with individual financial goals, whether for first-time buyers or experienced investors.We emphasize clear communication and accessibility, ensuring clients receive timely support when needed. By integrating digital tools like online prequalification and mortgage calculators with one-on-one consultations, we create a streamlined experience that balances technological efficiency with personal touch. Our commitment to excellence extends to educating clients about their options through comprehensive resources and maintaining strict adherence to ethical lending practices.
Services
Purchase Mortgage
Refinance Services
FHA Loans
VA Loans
Jumbo Loans
Investment Property Mortgages
Construction Loans
Reverse Mortgages
HELOC Services
First-Time Homebuyer Programs
Highlights and features
- We've built relationships with 100+ lenders nationwide to find competitive mortgage rates.
- Our team maintains active NMLS licensure and specialized mortgage expertise.
- We offer personalized mortgage solutions tailored to your unique financial situation.
- We combine local Seattle market knowledge with national lending resources.
- We provide transparent mortgage guidance through every phase of the home buying process.
What people say
Competitive rates
Personalized service
Knowledgeable staff
Smooth process
Quick approvals
Services
Purchase Mortgage
Our purchase mortgage services help clients buy primary residences, vacation homes, or investment properties. We offer competitive fixed-rate and adjustable-rate mortgages with down payment options starting at 3%. Our experienced loan officers guide clients through the entire purchasing process, from pre-approval to closing, while maintaining strict compliance with lending regulations.
Refinance Services
We provide comprehensive refinance solutions including rate/term refinance, cash-out refinance, and streamline refinance options. Our team analyzes current mortgage terms to identify savings opportunities through lower interest rates or modified loan terms. We specialize in conventional, FHA, and VA loan refinancing with flexible qualification requirements.
FHA Loans
Our FHA loan program offers low down payment options (as low as 3.5%) for qualified buyers with moderate credit scores. These government-insured mortgages provide accessible homeownership opportunities while maintaining competitive interest rates. Our specialists assist with complete FHA loan processing including HUD requirements and mortgage insurance premium calculations.
VA Loans
We specialize in VA mortgage solutions for eligible military personnel, veterans, and surviving spouses. Our $0 down payment VA loans include both purchase and refinance options with no private mortgage insurance requirements. Our VA-certified loan officers guide clients through the complete VA loan process including Certificate of Eligibility acquisition.
Construction Loans
Our construction loan program finances custom home building projects with flexible payment structures during the construction phase. We offer both stand-alone construction loans and permanent financing packages that convert to traditional mortgages upon completion. Our team coordinates with builders and contractors to ensure smooth fund disbursement throughout the construction timeline.
People
Robert McAllister
Mortgage Broker/Sr. Loan Officer
As Senior Loan Officer with NMLS #89208, Robert brings extensive mortgage expertise to our clients. His 20+ years in the industry focus on finding tailored lending solutions while maintaining NMLS compliance standards.
Sandy Howard
Sr. Loan Officer
Senior Loan Officer Sandy Howard (NMLS #114921) specializes in guiding clients through complex mortgage transactions. With 15+ years' experience, she provides expert advice on loan options and market conditions.
Questions
What mortgage services do you offer?
We offer purchase mortgages, refinancing, FHA/VA loans, jumbo loans, investment property financing, construction loans, HELOCs, and reverse mortgages.
How can I get prequalified for a mortgage?
Complete our online prequalification form to receive a mortgage approval letter within minutes while maintaining secure data protection.
What loan options are available for first-time homebuyers?
We offer specialized programs with low down payment options, including FHA loans and Washington State Department of Commerce programs.
Do you work with real estate investors?
Yes, we provide mortgage solutions for investment properties including multi-family units and rental portfolios.
Are VA loans available through your company?
Yes, we offer VA loans with $0 down payment options for eligible veterans and active military personnel.
Reviews (6)
Dawn Bolender
May 25, 2020
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100% satisfied! I wasnt sure how my refinance would work completing everything electronically (Im in Thurston county) but I was pleasantly surprised as the process was easy, even for non technical people like myself. Ive worked with Rob twice now and would recommend him to anyone. Plus, he got me the BEST interest rate! Easy to work with, reliable, responsive and personable. Thanks Rob!
Aaron Greene
May 22, 2020
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I highly recommend Rob McAllister to anyone; he pushes hard to get his clients the best rates possible with no fees and gimmicks. During the process he is always looking at the fine details, identifying and questioning legal and financial items that negatively impact his clients. If Rob identifies an unforeseen obstacle (no matter how big) he takes ownership with no bias or opinion. The speed at which he operates pretty much depends on you the client; I encourage others to quickly respond to Robs requests. I want to personally thank Rob for looking out for my familys financial well being
Rmkensington
Nov 19, 2019
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Could not ask for better service. Very knowledgeable about the area. Very fast to respond, even while he was on vacation, usually only took about 5 minutes.
Johnathan Dupree
Sep 22, 2019
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What a great experience with Rob! If you want a great homebuying experience he's your man! Goes the extra mile, gives great deals, and super fun to work with! Would give 6 stars if I could :D
Nancy Kress
Sep 03, 2019
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West Seattle Mortgage was wonderful to work with when my husband and I bought our condo in Seattle. Our financial arrangements were complicated by several factors, and Rob McAllister guided us every step of the way. We had a lot of questions, which Rob was always available to answer by email, phone, or in person. He was efficient, reliable, and pleasant. I recommend him to anyone looking to buy a home.
Michael Riker
Jul 22, 2019
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Rob is a true 5 star professional. Has extensive mortgage knowledge and will guide you through the process seamlessly.
