Mortgage Rates Washington

Many people have asked how our mortgage rates can be so competitive. The answer is pretty simple. We do not employ commissioned loan officers, and we do not have the many layers of management of larger companies.

Hart West Financial Inc. has been originating loans in the Washington market for many years. The company started it operations in 1997 and became licensed in Washington State in 1999. Our business model is very simple. Give our customers competitive rates and good service. We must be doing something right since a great majority of our Washington business comes from repeat and referral customers. Check out our mortgage rates by visiting our website at and compare our rates and fees. You will see that our website will give you a great deal of information about our charges and credit towards your closing costs.

Listed below is an actual email letter we received from one of our satisfied customers. For purposes of privacy we have removed all names and personal data. This is an actual email letter from an actual customer. If I was writing an ad I could not express better.

In January of this year I was considering refinancing my primary residence. I called and talked a few minutes with Cindy about the process and what needed to happen to get the best rate. I followed her directions and then called back the 2nd week of March. Prior to this call, I made 2 other calls to competitors to make sure I was getting the "best" deal. When I told the other 2 about the terms I was offered, one of them encouraged me to go with you. The other said that she would like to see the paperwork and that she could not get me terms anywhere near those of which Cindy quoted me. In addition, she kept warning me to get a 45 day lock because in her words, "There is no way that they will be able to get it done that quickly".

On Friday, April 3, I sat down with the company to sign the docs. The paper work was exactly as Cindy and Jill had said it would be. There were no surprises or errors.

Very seldom do I sit down to write a letter to commend a business on how well they've done. From being greeted and given information by Angelica, to the matter-of-fact knowledge of Cindy, the efficiency of Debbie and the unbelievable speed and ability of Jill; The whole process was steamline and done with an unequaled amount of professionalism from beginning to end.

Thank You and your team for doing it right!