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Find the loan to fit your life

Select from hundreds of loan products tailored to your needs

Emmett Traynor

Emmett Traynor

Loan Officer

120 West Dayton Street, Suite B-6, Office 3, Edmonds, WA 98020
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
4.94 out of 5.0 stars
4.69
4.96
Shea
Apr 22, 2024
Verified

Emmett was very helpful in helping understand the process, always available for help and any questions we had.
Chris C
Feb 22, 2024
Verified

Emmett is dedicated and knowledgeable to be the best professional in the business. Very responsive and always available.
Bryce
Feb 22, 2024
Verified

Friendly, hard working, accommodating and easy process.
Heide R
Jan 26, 2024
Verified

Literally the best Broker I have worked with in 30 years. Very communicative, knowledgeable and helpful.
Duckjin
Jan 27, 2024
Verified

I worked with Emmett for many deals. He is super knowledgable and responsive. It was pleasure working with him all the time.
Karri
Jan 26, 2024
Verified

Excellent experience. Emmett knows his stuff and took Excellent care of us.

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NMLS ID #507092
I am authorized to do business in the states of Arizona, California and Washington. AZ BK#0018883; AZ BKBR# 1051002; AZ LO Lic.# 1047170; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act;