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Seattle Wholesale MortgageSeattle Wholesale Mortgage, powered by O C Home Loans Inc.
NMLS #1842513

FEATURED HOME · BALLARD, SEATTLE

Your Wholesale Advantage.Explore this Ballard home.

5620 6th Avenue NW Seattle, WA 98107

Front exterior of 5620 6th Avenue NW, showing the three-story home, garage, entry steps and landscaping
Listing photo: Steven Brown, The Dwelling Group LLC, and Emily Allen, COMPASS · NWMLS #2587968. Listing source.
4 bedrooms · 3.5 bathrooms · 3,421 sq ft$2,099,000 Asking price

Listed by Steven Brown, The Dwelling Group LLC, and Emily Allen, COMPASS. NWMLS #2587968.

Tour this newly built Ballard home, then talk with Lance about financing choices that fit your plans.

THE HOME AT A GLANCE

A closer look

Built in 2026 on a 3,366-square-foot lot, with a guest suite and kitchenette, covered heated deck, mini-split heating and cooling, and an EV-ready one-car garage.

The listing displays 3.5 bathrooms: two full, one three-quarter and one half. A guest suite does not establish a permitted accessory dwelling unit.

Property facts and asking price checked October 30, 2026. Listing information can change; confirm current details with the listing team.

INDOOR COMFORT. OUTDOOR CONNECTION.

Room to gather. Space to unwind.

YOUR NUMBERS, CLEARLY

A home you can picture.
Financing you can understand.

5620 6th Avenue NW · Seattle, WA 98107Asking price $2,099,000 · Financing illustration dated November 3, 2026
Seattle Wholesale Mortgage, powered by OC Home Loans Inc. NMLS #1842513
Lance Morgan · 425.541.7190 · NMLS #742281 · Equal Housing Opportunity

30-YEAR FIXED 25% DOWN

Conventional financing illustration · Quoted November 3, 2026

Estimated total monthly payment$11,828.48
Down payment$524,750
Estimated cash to close before credits$564,760.01

See your Wholesale Advantage

Total closing-cost credits: $3,150.00

Wholesale pricing to compare

Interest rate6.500%
APR6.632%

30-year fixed · 25% down · Owner-occupied · 760 FICO.
Illustration dated November 3, 2026.
Rates and terms may change. Eligibility and lender approval apply.

Estimated cash to close before credits
$564,760.01
Wholesale Advantage creditThis illustration includes $2,500, applied at closing.
−$2,500.00
Estimated cash to close after Wholesale Advantage
$562,260.01
Appraisal creditApplied at closing; limited to actual appraisal fee, up to $650.
−$650.00
Wholesale Advantage cash to closeEstimated, after both credits
$561,610.01

Loan amount $1,574,250 · Estimated payment includes taxes and insurance.

Illustration only—not a loan approval or commitment to lend. Subject to borrower and property qualification and lender approval. Rates, costs and terms may change. Credits are subject to eligibility and lender approval.

Payment details, assumptions & disclosures

Payment breakdown

Estimated payment includes principal and interest, property taxes and estimated homeowners insurance. Other homeownership expenses are not included.

Principal and interest
$9,950.33
Estimated property taxes
$1,733.15
Estimated homeowners insurance
$145.00
Estimated total monthly payment
$11,828.48

Purchase price $2,099,000 · 25% down · Owner-occupied · 760 FICO · 30-year fixed.

With new construction, future property taxes may differ when the assessment reflects the completed home and improvements.

Confirm eligibility and all terms with Lance and review the lender’s official Loan Estimate.

Exclusive to homes featured on this website. The Wholesale Advantage offer is available only on properties advertised here and does not apply to other homes.

This illustration includes a $2,500 Wholesale Advantage closing-cost credit and a separate $650 appraisal credit. Credits applied at closing are subject to eligibility and lender approval. The appraisal credit is limited to the actual appraisal fee, up to $650.

All loans are subject to underwriting approval; not all applicants qualify. Loan terms, borrower qualifications and the property must meet applicable investor and program guidelines. Actual savings and eligibility vary by transaction. Any credit must comply with applicable program and regulatory limits; final terms must be confirmed in the lender’s required disclosures.

Payment breakdown

Estimated payment includes principal and interest, property taxes and estimated homeowners insurance. Other homeownership expenses are not included.

Principal and interest
$9,950.33
Estimated property taxes
$1,733.15
Estimated homeowners insurance
$145.00
Estimated total monthly payment
$11,828.48

Purchase price $2,099,000 · 25% down · Owner-occupied · 760 FICO · 30-year fixed.

With new construction, future property taxes may differ when the assessment reflects the completed home and improvements.

Confirm eligibility and all terms with Lance and review the lender’s official Loan Estimate.

Exclusive to homes featured on this website. The Wholesale Advantage offer is available only on properties advertised here and does not apply to other homes.

This illustration includes a $2,500 Wholesale Advantage closing-cost credit and a separate $650 appraisal credit. Credits applied at closing are subject to eligibility and lender approval. The appraisal credit is limited to the actual appraisal fee, up to $650.

All loans are subject to underwriting approval; not all applicants qualify. Loan terms, borrower qualifications and the property must meet applicable investor and program guidelines. Actual savings and eligibility vary by transaction. Any credit must comply with applicable program and regulatory limits; final terms must be confirmed in the lender’s required disclosures.

View web-based financing illustration ↗

How mortgage rates can impact buying power

Compare buying power at rates one percentage point lower or higher, with the same principal-and-interest budget, a 30-year term and 25% down.

QUOTED RATE

6.500% · Quoted November 3, 2026

Starting pointOriginal purchase budget

Illustrative purchase budget$2,099,000

Loan amount
$1,574,250
25% down payment
$524,750

1% LOWER

5.5% hypothetical

+11.32%

+$237,626Increase in buying power

1% HIGHER

7.5% hypothetical

−9.60%

−$201,570Decrease in buying power

Illustrates how a rate change may affect buying power. Not a commitment to lend. Terms and eligibility may vary.

MORE WAYS TO MAKE YOUR OFFER WORK

Make the numbers
work today.

Look for room to negotiate on price, upfront costs and payment. A seller credit could save you thousands upfront or fund an eligible rate buydown.

Start with Lance to understand your options. Choose terms that work today, without counting on a future refinance.

Talk through your options with Lance

What to know

Lance’s 6% jumbo-program example for primary and second homes has a $125,940 ceiling on this $2,099,000 purchase, subject to lender confirmation. No seller credit is offered or agreed. The usable amount depends on seller agreement, eligible actual costs and lender approval, including review of the existing $3,150 credits. No cash back, down payment or reserves.

Freddie Mac PMMS

Historic National Mortgage Rate Trends.

30-year fixed15-year fixed
View the weekly observations

National benchmark, not a personalized quote or APR. Source: Freddie Mac PMMS archive. National conventional conforming purchase applications; excludes jumbo loans. Ballard’s separately dated $1,574,250 loan illustration has different loan size, points and terms—not an apples-to-apples comparison or savings claim. Latest weekly release: October 29, 2026; checked October 30, 2026.

YOUR FINANCING CONTACT

Get your Wholesale Advantage quote today

Get a personalized financing example, no credit check, no obligation to switch. Compare the numbers, share them with your lender, and decide.

Request a personalized illustration without a credit check

I can prepare a personalized illustration without a credit check using your self-reported credit score, purchase price and total cash-to-close budget, including your down payment and closing costs. Gross income can help if you know it; the lender determines qualifying income and eligibility. An illustration is not a loan approval.

25 years of lending experience. A.I.-assisted research, pressure-tested for accuracy. Clear choices to help you move forward.

Lance Morgan · Senior Loan Officer · NMLS #742281

Interested? Let’s talk about how this could work for you.

Text Lance425.541.7190

Questions about the home?

Call or text listing broker Steven Brown · The Dwelling Group LLC for property details and showing questions.

206.226.3366

Also listed by Emily Allen, COMPASS.

See the live listing and property details ↗

CLIENT REVIEWS

Five-star experiences,
in our clients’ words.

Read client reviews ↗
★★★★★
“Lance is extremely knowledgeable, transparent, straightforward and patient.”
Joon P. · YelpAugust 15, 2023 · Excerpt
★★★★★
“Lance made the process easy breezy.”
Kara Joy · ZillowDecember 13, 2021 · Excerpt
★★★★★
“Lance was fantastic. Highly recommended!”
Steth I B S · Google via Experience.comMarch 15, 2026 · Excerpt
A CONVERSATION, NOT A COMMITMENT

Pick a time that works for you.
Let’s call.

Book a time with Lance ↗

FOLLOW YOUR CURIOSITY

Keep exploring the possibilities.

TEXT LANCE

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