Seattle Wholesale Mortgage, powered by O C Home Loans Inc., Company NMLS #1842513Company NMLS #1842513
A HOME LOAN THAT FITS YOUR PLANS

Loan Options

Buying your first home, planning your next move or making sense of your income? I’ll help you start with what matters to you.

THE PICTURE BEHIND YOUR OPTIONS

Your home, financing and priorities. Together.

The Buyer Intelligence Brief connects property and market evidence with your financing, cash needs and potential negotiation choices.

Explore your personalized Buyer Intelligence Brief

For 25 years, I’ve helped buyers make sense of the numbers. As rates rose after the pandemic, I moved toward wholesale lending so I could adapt the lender and financing strategy to each transaction, balancing timing and competitive terms.
Lance Morgan · NMLS #742281

What would you like to work on?

Explore a topic, then talk through the options that may fit.

Showing all 9 topics

START YOUR HOME SEARCH

First-time home buyers

Start with a payment you can live with, then compare loan pathways, assistance and upfront costs.

Explore first-home options
PLAN YOUR NEXT MOVE

Buy Before You Sell

Explore ways to coordinate your next purchase and current-home sale, with a clear repayment plan.

Explore Buy Before You Sell
MAKE YOUR INCOME CLEAR

RSU & stock income

See how eligible vested stock compensation may fit your mortgage, and what lenders need to review.

Understand stock income
PREPARE YOUR CREDIT

Credit & mortgage costs

Understand score factors, card-balance reporting and practical steps before you apply.

Explore mortgage credit tips
MAKE THE NUMBERS WORK

Seller credits & savings

Compare a price reduction with an eligible closing-cost credit and understand the tradeoffs.

Compare offer choices
LOOK AT THE BUILDING, TOO

Condo financing

Look beyond the unit to HOA dues, insurance and the building’s financing requirements.

Explore condo financing
PUT EQUITY IN PERSPECTIVE

HELOC

Learn how the Aven Cash HELOC works, including fees, repayment and borrowing against your home.

Explore the Aven Cash HELOC
PLAN YOUR HOME PROJECT

Roof project financing

See RoofWorks Northwest’s work and explore a home-equity financing path for your project.

Explore roof financing

Want to work through the numbers?

Use the calculators or learn how to compare a written quote.

Mortgage calculatorsLow Mortgage RatesApply Now

Seattle Wholesale Mortgage serves Washington, Oregon, Arizona, Colorado and Florida. Program availability and terms depend on the lender, property and borrower. All loans are subject to eligibility, underwriting and approval.

CLIENT EXPERIENCES

Five-star experiences, in our clients’ words.

★★★★★
“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
Read more client reviews ↗

LEVERAGE YOUR QUALIFICATIONS

Put your strong qualifications to work.

Do you have excellent credit? Are your funds liquid? Are you prepared to close quickly?

I’ll help you see how a well-prepared offer and a faster closing could create negotiating leverage and opportunities to save.

I specialize in 8–14-day closings. Timing depends on your qualifications, documents, property and lender requirements. Seller agreement is needed for any negotiated savings.

See what a fast closing takes →

MAKING MOVES HAPPEN

Let’s talk strategy.

Let’s find the options worth exploring for your goals.

CONTACT LANCE

Talk directly to Lance

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CONTACT LANCE

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