Business Details
Trusted Mortgage Brokers in Kirkland, WA
Mtgweb is a professional mortgage company specializing in residential mortgages. We pride ourselves on providing personalized loan solutions tailored to each borrower's unique needs. Unlike traditional banks, we operate as a mortgage broker with access to multiple lenders, enabling us to secure competitive rates and terms for our clients. Our team of highly skilled loan consultants brings extensive underwriting expertise and a commitment to exceptional customer service. With a focus on VA loans, we have consistently ranked among the top volume lenders in Washington State and nationally.Our client-first approach emphasizes transparency, education, and support throughout the entire mortgage process, from pre-qualification to closing. We maintain a strong track record of helping clients achieve their homeownership goals through innovative financing solutions and dedicated support. Our reputation is built on years of successful transactions and positive client testimonials highlighting our professionalism and efficiency.
Services
Mortgage Loans
Refinance Options
VA Loans
FHA Loans
Fixed-Rate Loans
Adjustable-Rate Loans
Loan Calculators
Pre-Approval Process
Highlights and features
- We offer personalized mortgage solutions through multiple lender partnerships
- Our team includes top-performing VA loan specialists with industry recognition
- We provide transparent loan education and process guidance
- We maintain a proven track record of timely loan closings
- We offer specialized programs for veterans and first-time homebuyers
What people say
Top of the list
Best rate available
Timely manner
Excellent service
Dedication and expertise
Services
Mortgage Loans
We offer comprehensive mortgage loan solutions for home purchases with down payments starting at 5%. Our services include conventional loans, jumbo loans, and specialized programs for first-time homebuyers. Our broker model provides access to multiple lenders to secure competitive rates and terms tailored to your financial situation. Our experienced team guides clients through the entire loan process from pre-qualification to closing.
Refinance Options
Our refinance programs help homeowners reduce monthly payments, shorten loan terms, or switch to fixed-rate mortgages. We offer rate-and-term refinancing, cash-out options, and streamline VA refinances. Our consultants analyze current market conditions to determine optimal refinancing opportunities while considering closing costs and break-even points. We provide detailed savings calculations using our online refinance calculator.
VA Loans
Specialized mortgage programs for veterans and active-duty personnel with 0% down payment requirements. Our VA loan specialists understand military-specific financial considerations and offer competitive rates with higher allowable debt-to-income ratios. We handle the complete VA loan process including certificate of eligibility verification and funding fee calculations. Our team maintains top volume lender status in Washington State.
FHA Loans
Low-down-payment mortgage options requiring 3.5% minimum down payment with flexible credit requirements. Our FHA loan program accommodates borrowers with credit scores as low as 620 and offers post-bankruptcy qualifications after 2 years. We provide detailed guidance on mortgage insurance requirements and help clients understand total ownership costs including property taxes and insurance.
Fixed-Rate Loans
Loan terms available in 10, 15, 20, 25, and 30-year options with consistent monthly payments. Our fixed-rate mortgages protect against market fluctuations while offering predictable budgeting for homeowners. We help clients evaluate long-term cost implications between different term lengths and assist with strategic payment planning to optimize financial outcomes.
People
Randy Szabo
Senior Loan Originator
MLO-91525 licensed professional with extensive VA loan expertise. Specializes in streamlining mortgage processes for veterans and active-duty personnel. Maintains top volume lender status in Washington State through personalized client service and competitive rate offerings.
Questions
What types of mortgage loans do you offer?
We offer fixed-rate, adjustable-rate, VA, FHA, and conventional loans with terms from 10-30 years. Our broker model provides access to multiple lenders for competitive rate comparisons.
How does the mortgage application process work?
Start with our quick quote form for rate analysis, then complete a short application for pre-approval. Our consultants guide you through document submission and underwriting to final closing.
Can I refinance with bad credit?
We offer specialized programs for credit challenges. Our consultants evaluate your specific situation to determine refinancing options that may improve your monthly payments.
What are the benefits of using a mortgage broker?
Brokers access multiple lenders to find competitive rates, provide personalized loan comparisons, and negotiate terms that align with your financial goals and circumstances.
How much down payment is required for a home purchase?
VA loans require 0% down, FHA loans need 3.5%, while conventional loans start at 5%. We help determine the best option based on your financial situation and homeownership goals.
Do you offer online mortgage tools?
Yes, we provide loan calculators, rate comparison tools, and a glossary of mortgage terms to help you make informed decisions about your home financing options.
Reviews (2)
Tyro Cub
Apr 18, 2021
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I just completed my second value-added refinance with Randy this week, on the same home. First contact to closing required only 14 days. Compared to paper faxing years ago, the fully electronic process was faster and easier than finding and buying my wife's van. Randy quickly found us a rate at the low end of the bankrate.com interest range. Randy informed us, and effectively facilitated, each smooth decision point of our refinance.
Daniel D.
Aug 08, 2020
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Randy was beyond professional and attentive through the entire process. Best guy you can go to in the business.
