Become a cash buyer who can close quickly and make a strong, all-cash offer.
Go from a contingent buyer to a cash buyer with the ability to close quickly and efficiently.
Qualify based on the rental income of the property you’re buying or refinancing
Get the loan you need for the house you want with a low rate
Far better than a normal pre-approval or pre-qualification, we move underwriting to the beginning of the buying process. Instead of waiting to get an official loan underwrite until after you get an offer accepted, put your earnest money down, order an appraisal and inspection; we move this part of the process up-front before you make an offer on a home. This provides sellers with a virtual guarantee that you can close quickly and on-time with no unexpected surprises in underwriting after the home is under contract. It will enable you to be as close to an all-cash buyer as you can get while still obtaining a mortgage.
With an underwritten loan approval, you can have full confidence to remove financing contingencies and compete with all-cash buyers without taking on risk of the loan falling apart at the last minute.
Our experienced loan officers will put together a strategy that will give you flexibility in the event the appraisal comes in low without significantly impacting your cash due at closing or your monthly payment. With home prices rising quickly don’t allow an appraisal using past sales derail your new home purchase.
With bidding wars being a regular occurrence, we make sure the sellers know how and why your offer is stronger than the rest of the pack. You’ve worked hard to get yourself financially prepared to buy a home. We help you put your top foot forward and ensure there is no question in the seller’s mind that things will move quickly and smoothly if your offer is accepted.
We have nothing to hide! We allow our clients to see current rates and costs specific to their situation online. Never guess what the current rates are and what your payment would look like on a property you are considering making an offer on. Have confidence that we will always quote you real available rates regardless of what part of the home buying process you’re in.
By moving the majority of the work involved in the mortgage process to before you make an offer on a property, we not only remove the stress of the mortgage process, but we also enable to you to close quicker and gain a competitive advantage over other homebuyers.
Even the highly experienced Loan Officers get sick, go on vacation or have a life outside of work. Don’t risk having a Loan Officer that’s not available when you need them most. Our team model allows us to have experienced licensed Loan Officer’s (not Loan Officer Assistants) available 7 days a week. They’ll be able to answer any questions that you might have, update loan approval letters or make the helpful call to a seller’s realtor on your behalf.
A lot of mortgage companies don’t value the same things as their borrowers, but Home Got Owned Mortgages does:
Filling out a loan application is free and never obligates you to work with Home Got Owned Mortgages.
Innovative programs and strategies you need to get offers accepted in today’s competitive house market.
We proudly serve customers in the Pacific Northwest region. If you’re looking to buy a home in one of these states, we can help!
Transparent Rates and Costs Available 24/7
180 Reviews
50 Reviews
Cant say enough great things about Home Got Owned Mortgages. Their rates are extremely fair and transparent. We worked with Sandra and Barb who were both excellent and helped get us out of an unexpected situation with another lender! We applied for a loan on a Saturday and Sandra got back to us the next day to get the process started even though it was the weekend. They both helped us close extremely quickly and were always readily available/responsive to us. We highly recommend Home Got Owned Mortgages!
It was very streamlined and the communication from the team was excellent. All questions were answered in a timely manner. Thank you
Excellent rates! Responsive team members. They were able to speed along our closing process and gave me plenty of tips that made that seamless. Even the title company was impressed with them and commented on how “with it” their team was! Would work with Home Got Owned Mortgages again in a heart beat!
I had an outstanding experience working with Nick and Barb at Home Got Owned Mortgages! From the very beginning, their professionalism, expertise, and genuine care for their clients were evident. Nick was incredibly knowledgeable, taking the time to explain every step of the mortgage process and offering valuable advice tailored to my situation. Barb was equally amazing, ensuring all the paperwork was handled smoothly and that deadlines were met without a hitch. The teams communication was top-notchthey were always quick to respond to my questions and provided updates at every stage. They made what could have been a stressful process feel seamless and straightforward. I truly felt like they had my best interests at heart, and their dedication to exceptional service was clear throughout the entire experience. If youre looking for a mortgage team that combines expertise, efficiency, and a personal touch, I highly recommend Nick and Barb at Home Got Owned Mortgages. They went above and beyond, and I couldnt be happier with the results!
Home Got Owned Mortgages was wonderful to work with. Trevor and Barb did an excellent job of guiding me through the loan process and getting me approved. If I need to get another loan I will definitely use them again.
Home Got Owned Mortgages provide exceptional service! The team is fast, proactive, and attentive to every detail, making the entire mortgage process smooth and stress-free. Their friendly and knowledgeable approach made us feel supported at every step.
Shelly and her team went above and beyond to help us close on our house within a very tight timeline. I thought their rates were too good to be true, but they indeed made it happen without any surprise fees along the way. Highly Recommended!
Get Started by Home Got Owned Mortgages — no application fee, and no pressure to close.
Discover how much you can save or cash out by refinancing your mortgage, and what it will cost you to refinance today.
Plan for your future by estimating your home cost, interest rate, and monthly payment before you start househunting.
Since 1992, Home Got Owned Mortgages has been committed to providing home buyers with great rates and fees coupled with superior service. Contact us today to get started on the pre-approval process, whether you’re buying your first home or your dream home. Our highly experienced loan officers focus on your unique needs, helping you get the right mortgage for your financial situation.
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