Business Details
38 Years
experience
Trusted Veteran-Owned Mortgage Brokers in Gig Harbor Since 1988
Northwest Mortgage Services has been a trusted, veteran-owned mortgage brokerage serving Gig Harbor and surrounding communities since 1988. Our fiduciary commitment to clients prioritizes fairness, loyalty, and transparency, offering tailored solutions for low monthly payments, reduced upfront costs, and competitive interest rates. As a low-cost provider, we maintain exceptional customer service while donating portions of earnings to local nonprofits.Our team combines decades of experience with military values, serving Washington State homeowners through purchase loans, refinancing, and specialized programs like VA, FHA, and USDA loans. We emphasize client education, pre-approval guidance, and streamlined processes with e-signature convenience. Our reputation as Gig Harbor Living Locals Finest Award winners reflects our dedication to ethical lending and community impact.
Services
Purchase Loans
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Cash Out Refinance
Rate & Term Refinance
Veteran Loan Programs
Details
- Year established: 1988
Highlights and features
- Veteran-owned with over 35 years of local expertise in mortgage services.
- Fiduciary responsibility to prioritize client needs with transparent practices.
- Low-cost provider offering competitive rates and personalized loan solutions.
- Community-focused, donating to local nonprofits and supporting Gig Harbor residents.
- Award-winning service recognized by Gig Harbor Living Local magazine.
What people say
Fantastic experience
Exceeded expectations
Smooth process
Knowledgeable professionals
Timely and friendly
Services
Purchase Loans
We offer tailored purchase loan solutions to help first-time and repeat buyers achieve homeownership. Our services include pre-approval guidance, competitive rate negotiation, and streamlined closing processes. Clients benefit from our deep local market knowledge and partnerships with real estate professionals.
VA Loans
Specialized VA loan programs for eligible veterans and service members provide low-rate financing with no down payment requirements. Our veteran-owned team offers expert guidance through VA-specific documentation and compliance standards, ensuring accessible homeownership opportunities.
FHA Loans
FHA-insured loans cater to borrowers with lower credit scores or limited down payment capacity. We facilitate FHA streamline refinances and purchase programs with competitive terms, emphasizing accessibility and long-term affordability for diverse financial situations.
Refinance Options
Our refinance programs include rate-and-term adjustments and cash-out options to reduce payments or access home equity. We analyze clients' financial goals to determine optimal timing and structure, often securing better terms than traditional banks.
Conventional Loans
Conventional loan programs serve clients with strong credit profiles seeking flexible terms without government insurance requirements. We offer competitive pricing and personalized underwriting support to meet diverse homeownership and investment property needs.
People
Abel Hernandez
President
President and MLO #1718944 with military service and MBA credentials. Combines business expertise with community advocacy, teaching at UW Tacoma and coaching youth soccer. Specializes in strategic mortgage solutions and client education.
Jeff Carr
Past President
33-year mortgage veteran and decorated Vietnam War helicopter pilot. Served as Washington Association of Mortgage Brokers president. Focuses on market cycles and long-term client relationships, maintaining expertise through industry associations.
Tracie Hernandez
Vice President
Engineering graduate managing loan operations and underwriting. Transitioned from intellectual property project management to mortgage services, applying technical precision to streamline processes and ensure timely, transparent client experiences.
Questions
What mortgage services do you offer?
We provide purchase loans, refinancing, VA, FHA, USDA, conventional, and jumbo loan programs tailored to individual financial goals.
Are you a local Gig Harbor business?
Yes, we're veteran-owned and based in Gig Harbor since 1988, serving Pierce County and all Washington State communities.
How do you differ from big banks?
As independent brokers, we offer personalized service, competitive rates, and community-focused support without sacrificing institutional reliability.
Can I get pre-approved for a mortgage?
Yes, we strongly recommend pre-approval to clarify budget limits and strengthen home purchase offers.
Do you work with first-time homebuyers?
Absolutely. We specialize in guiding first-time buyers through loan options, down payment assistance, and stress-free processes.
Reviews (4)
Scott Marlow
Nov 23, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Jeff Carr and the Northwest Mortgage Services team was key in our winning home bid. Their advice was strategic and their approach to the home buying process was innovative. It's rare to find reasonable prices combined with high quality and fast service. Highly recommend these mortgage professionals.
Jeff Carr and the Northwest Mortgage Services team was key in our winning home bid. Their advice was strategic and their approach to the home buying process was innovative. It's rare to find reasonable prices combined with high quality and fast service. Highly recommend these mortgage professionals.
Maddy Dullum
Nov 02, 2021
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Abel was 100% on my team from the get-go. As a first time homebuyer, I had a billion questions, and he explained things in a way that made sense to me. I felt completely at ease with full confidence that he was guiding me in the right direction. He helped me score an incredible interest rate, and was always willing to talk things over with me. We cleared to close in just 8 days! Abel is an incredible human being and will make your mortgage dreams come true. Brokers are better!
Susan Narvaez
Oct 21, 2021
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If I could give 10 stars I would! Abel, Tracey, and their whole team were a joy to work with. They made sure we got the best rate, and were honest with us about everything. I would recommend them to everyone looking to refi, or get your home loan. Avoid those big banks, they will not look out for you like Northwest Mortgage Services does.
Ben McDonald
Aug 24, 2021
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It is with pleasure that I give Northwest Mortgage Services my highest recommendation! From day one of the refinance process, I was impressed with the speed at which his team worked. I inquired via a web form on Monday, by Thursday I had approval and preliminary numbers, and on Friday I had an appraiser at my home. I signed shortly afterwards. I was given a choice to work with him in-person or via email and the web. I opted for email and web. Thank you again, Northwest Mortgage Services. I will be spreading the word about you verbally too!
