Business Details
Your Trusted Mortgage Partner in Bellingham, WA
Bjornson Mortgage has dedicated itself to transforming homeownership dreams into reality for clients across Washington State. With a focus on personalized service and deep expertise in mortgage financing, our team guides clients through every step of the home buying or refinancing process. Led by Branch Manager Marie Bjornson, a seasoned mortgage banker with over two decades of financial industry experience, we specialize in crafting tailored solutions for conventional, VA, USDA, and reverse mortgages. Our commitment to excellence is reflected in our client-centric approach, which prioritizes transparency, education, and proactive problem-solving.We pride ourselves on navigating complex loan scenarios with creativity and precision, ensuring even the most challenging cases reach successful conclusions. Backed by a track record of repeat business and referrals from satisfied clients, our team combines technical mastery with genuine care to deliver exceptional outcomes. From first-time homebuyers to seasoned investors, we empower clients to build wealth through strategic real estate financing.
Services
Conventional Home Loans
VA Home Loans
USDA Home Loans
Reverse Mortgages
First-Time Home Buyers
Investment Property Loans
Down Payment Assistance
Physician Loans
Refinance Loans
Mortgage Broker Services
Highlights and features
- We offer 20+ years of mortgage expertise with personalized loan strategies
- Specialize in complex cases including credit challenges and unique properties
- Provide access to diverse loan programs including physician-specific mortgages
- Maintain 7-day-a-week client support during critical transaction periods
- Combine CPA-level financial analysis with hands-on mortgage process expertise
What people say
Creative problem-solving
Proactive communication
Personalized strategies
Timely closings
Expert guidance
Services
Conventional Home Loans
Conventional home loans provide flexible financing options for borrowers with strong credit profiles. These mortgages conform to Fannie Mae and Freddie Mac guidelines, offering competitive rates with down payments as low as 3%. Our team specializes in navigating jumbo loan requirements and mortgage insurance optimization. We help clients understand reserve requirements and credit score thresholds to secure favorable terms for primary residences, investment properties, and second homes.
VA Home Loans
VA home loans offer exclusive benefits for military service members and veterans, including zero down payment options and no mortgage insurance requirements. We guide clients through eligibility verification, residual income calculations, and credit qualification beyond traditional scoring models. Our expertise ensures smooth processing of VA loan guarantees while maximizing benefits like seller-paid closing costs and competitive interest rates for primary residences.
USDA Home Loans
USDA home loans enable no-down-payment financing for properties in designated rural areas. We assist clients with income limit verification, property eligibility checks, and credit qualification through alternative documentation. Our team specializes in maximizing USDA program benefits including competitive fixed rates, low mortgage insurance premiums, and seller concession allowances up to 6% of the loan amount.
Reverse Mortgages
Reverse mortgages convert home equity into tax-free funds without monthly payments. We explain HECM program features including line-of-credit growth options, non-recourse protections, and estate planning considerations. Our counselors clarify common misconceptions about home ownership rights while demonstrating how reverse mortgages can enhance retirement cash flow through strategic financial planning.
Physician Loans
Physician loans address unique financial scenarios for medical professionals, including student loan deferments and new practice transitions. We offer low down payment options without mortgage insurance, specialized underwriting for changing income structures, and flexible documentation requirements. Our team navigates complex employment contracts and residency-to-attending transitions to secure favorable financing terms tailored to medical professionals' career trajectories.
People
Marie Bjornson
Branch Manager, Certified Mortgage Planner & CPA
With 20+ years in finance and real estate, Marie combines CPA expertise with mortgage planning specialization. A Bellingham native, she holds international business credentials and speaks conversational Spanish. She leads loan strategy development while maintaining hands-on client engagement throughout the mortgage process.
Petra Amark
Operations Manager, Loan Officer
A former real estate investor with 13 years of property experience, Petra brings global perspective from living in Sweden, France, and Canada. She applies business degree expertise to loan operations while balancing multilingual client support and team coordination responsibilities.
Mike Mitchell
Loan Administrator, Loan Officer
With 37 years in mortgage finance, Mike offers deep technical knowledge across loan administration, compliance, and education. His business management degree and real estate instructor background enhance his ability to train clients on complex mortgage concepts and regulatory requirements.
Louise Bjornson
Customer Concierge
A former 22-year Bellingham City Council member, Louise provides government and zoning expertise to mortgage clients. Her public service background enhances client navigation of municipal regulations while delivering personalized support through complex loan documentation processes.
Questions
What mortgage options exist for first-time homebuyers?
We offer conventional, FHA, and USDA loans with low down payment options. Our team provides personalized guidance to navigate first-time buyer programs, credit requirements, and down payment assistance opportunities.
How do VA loans benefit military members?
VA loans provide zero down payment requirements, no mortgage insurance, and flexible credit standards. We help veterans and active-duty personnel maximize these benefits while navigating service-specific eligibility documentation.
Can I qualify with past credit challenges?
Yes, we specialize in helping clients with bankruptcies, short sales, or credit rebuilding. Our team analyzes individual circumstances to determine optimal loan programs and timelines for mortgage eligibility.
What sets your reverse mortgage counseling apart?
We provide comprehensive HECM education addressing common myths, estate planning implications, and strategic equity utilization. Our counseling focuses on aligning reverse mortgages with overall retirement financial plans.
How do physician loans accommodate medical professionals?
Our physician loans offer low down payments, no mortgage insurance, and specialized underwriting for residents and new attendings. We address unique challenges like student loan deferments and transitioning employment contracts.
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