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Quality roofing. Thoughtful financing. We’ve teamed up with RoofWorks Northwest because their focus on craftsmanship and customer care reflects the service we aim to deliver.
Explore Roof FinancingROOTED IN THE NORTHWEST
LANCE MORGAN · NMLS #742281 / SENIOR LOAN OFFICERYOU FOUND
YOU FOUND
THE CLOSER.
Seattle and Snohomish County mortgage broker. Compare wholesale loan options with a plan for your closing deadline.
Explore mortgage answers ↓- Purchase & Refinance
- Buy Before You Sell
- Serving WA, OR, AZ, CO & FL
- First-Time Homebuyers
- Seattle Mortgage Lender & Broker
- DSCR Investment Loans
- 25+ Years of Experience
- Jumbo Home Loans
- 8–14 Day Closings Are My Specialty
- Wholesale Mortgage Access
- FHA & VA Loans
- A Simpler Mortgage Experience
- Five-Star Client Reviews
SEATTLE WHOLESALE MORTGAGEYOUR NEXT MOVE.
YOUR NEXT MOVE.
LET’S RUN THE NUMBERS.
Wholesale options. Upfront numbers. One person on your side.
OPTIONS FOR THE HOME YOU OWNPut Your Home Equity
Put Your Home Equity
to Work
Remodel or Home Improvements
Explore home equity options for the updates you have in mind.
Explore Home Equity OptionsConsolidate Higher-Interest Debt
Compare the full cost of bringing eligible balances into one plan.
Explore Debt ConsolidationEligibility and terms apply. A HELOC is secured by your home; failure to repay can lead to foreclosure. Debt consolidation can turn unsecured balances into home-secured debt and may increase total costs.
FOUND A HOME YOU LOVE?FOUND THE HOME?
FOUND THE HOME?
KNOW YOUR NUMBERS.
Three questions. Straight answers.
Can I buy it?
Understand your buying power before you make an offer.
What’s the payment?
Your estimated full monthly cost, including taxes, insurance and any HOA dues or mortgage insurance.
What’s the cash to close?
Down payment, closing costs and credits, laid out clearly. Estimates update as details are confirmed.
MY SPECIALTY
8–14DAYS
HOME LOANS.
CLOSED FAST.
I specialize in 8–14-day home closings.
Send me the property and your closing date. I’ll help build the plan and keep it moving.
Text me your closing dateAn 8–14-day closing is my specialty, not a guarantee for every loan.
FROM PREAPPROVAL TO CLOSINGYOUR MORTGAGE.
YOUR MORTGAGE.
HANDLED.
One person to text.
Someone keeping the loan moving.
MEET THE FOUNDERLANCE
LANCE
MORGAN.
NMLS #742281
25+ YEARS OF MORTGAGE EXPERIENCE.
Clear answers.
More peace of mind.
After more than 25 years in mortgages, I founded Seattle Wholesale Mortgage to offer a better way to finance a home: clear answers, transparent numbers and a smoother process.
I’m a Senior Loan Officer working as a mortgage broker and lender. Seattle Wholesale Mortgage is powered by O C Home Loans Inc.
The wholesale mortgage marketplace gives me the flexibility to find a fit for your situation. I handle the details so you can focus on your move and your family.
Serving WA, OR, AZ, CO and FL.
Book a time with LanceA LITTLE PEACE OF MINDREAL CLIENTS.
REAL CLIENTS.
REAL STORIES.
See what working together feels like.
★★★★★
“Lance is extremely knowledgeable, transparent, straightforward and patient.”
4.97 / 5 · 314 reviewsView profileZillow4.97 / 5 · 37 reviewsView profileYelp5.0 / 5 · 11 reviewsView profileGoogle5.0 / 5 · 14 reviewsRead Google reviews
Zillow
Yelp
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GOOD QUESTIONS.
START HERE.
Find your answer. No personal information required.
Buy before you sell
Plan the purchase, the sale and the payments between.
Explore your next move
Mortgages for tech employees
Salary, bonuses and RSUs. Understand what lenders review.
Explore the income guide
Get ready to buy
The documents that fit your situation.
Open the checklistMake your offer go further
Seller credits, price cuts, and buydowns, defined.
Explore your options
Mortgage payment & cash to close
Your payment and cash to close.
Know the numbers
8–14-day closing readiness
The details that keep things moving.
See the plan
Seattle condo financing
Check the building as well as the loan.
Read the guideSEATTLE MORTGAGE QUESTIONSGOOD QUESTIONS.
GOOD QUESTIONS.
STRAIGHT ANSWERS.
How quickly can you close a home loan?
I specialize in 8–14-day home closings. We’ll review your contract deadline, documentation and property together. Actual timing depends on underwriting, appraisal, title and required waiting periods.
What does wholesale mortgage access mean?
I can compare loan options across wholesale lenders rather than working from a single lender’s product menu. We’ll compare the rate, fees, loan structure and closing timeline for your situation.
Can I see my payment and cash to close before making an offer?
Yes. Send me the property listing. I can prepare estimates for the monthly payment and cash to close, including taxes, insurance, applicable HOA dues, closing costs and available credits. Final figures depend on the confirmed loan and property details.
Which states do you serve?
I serve clients in Washington, Oregon, Arizona, Colorado and Florida, with a focus on Seattle and the surrounding Puget Sound communities.
Do you help with both home purchases and refinancing?
Yes. I help buyers get preapproved and finance purchases, and help homeowners compare refinance options. For refinancing, we’ll look at both the potential savings and the costs.
How do I get started?
Text me at 425.541.7190, schedule an appointment, or start a secure application. Please use the secure application for financial documents and sensitive personal information.
PICK A TIME THAT WORKS FOR YOULET’S TALK
LET’S TALK
MORTGAGES.
Thirty minutes. Your questions. A clear next step.
Schedule an appointmentWant to start now? Text Lance.
Schedule with Lance30-minute mortgage conversation
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KEEP MY NUMBER HANDYSAVE LANCE’S
SAVE LANCE’S
CONTACT.
Lance Morgan · NMLS #742281
Senior Loan Officer
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