Lance Morgan Seattle Mortgage Broker

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Lance Morgan | Mortgage Broker

Smarter Home Financing. Faster Answers. Bigger Savings.

Why Work With Me (Beyond “What’s your rate?”)

24+ Years, All Market Cycles: I’ve helped buyers navigate wild markets. I spot patterns and structure smarter offers.

Strategic, Not Just Quotes: I build a real estate team around you (agent +

lender) and coach you on how to buy in this market.

Offer Data Package (ODP): My proprietary toolkit to evaluate opportunities and prepare winning offers.

Clients learn how to:

- Identify price leverage and

negotiate seller credits

- Compare payment/closing-

cost scenarios

- Assess risk flags and manage

trade-offs

** Proven Results: In the past 10 months, this approach has helped clients secure $80,000+ in combined price reductions and credits.

Wholesale Advantage: As a true wholesale broker, I shop multiple lenders for both product and pricing—often beating retail, which can’t fully comparison- shop.

Fast, Responsive, Strategic

I answer quickly and structure smarter deals to save you money.

The Wholesale Difference

🚫 Don’t Be Fooled — Over 70% of lenders today are retail. Many call themselves “brokers” while operating under a correspondent model.


That means they “broker” only when they don’t have the right product — not when there’s a lower price elsewhere.


As a true wholesale mortgage broker, I shop multiple lenders for BOTH product and pricing — making wholesale the most cost-effective way to finance your home.

Urgent?

📞 If you need a response within 20 minutes, call me directly.
If I’m in a meeting, I’ll check voicemail first and get back to you fast.

How We'll Work Together (Concise + Exclusive)

1. Introduction Call (15–30 min): Your goals, comfort budget, timeline — plus exactly which docs to gather so we can move fast.

2. Apply Online - Hit the button below. It’s quick, guided, and you’ll know what’s next immediately.

3. Fast Pre-Approval

(1–3 days after docs)

We verify, calibrate your price/payment targets, and finalize your letter.

4. Certified Buyer Advantage

You’ll be positioned for a fast approval, clean execution, and stronger negotiation. I’ll also walk you through a few proprietary strategies I reserve for clients so you can shop like a pro — without broadcasting our playbook.

Closings as little as 8-14 days! 🚀

Google Review

NMLS #135622

Lance Morgan | Mortgage Broker (WA & OR)
NMLS #742281 | C2 Financial Corporation #135622

Fast, Responsive, Strategic Home Loans

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