Finance Center

HomeFinance Center


The Finance Center is a great resource to educate yourself on the loan process. Everything you need is in our detailed Timeline. If you’d like to get pre-approved please click here. If you have any questions on the loan process please click here to contact a trusted South Lake professional.

Our Financial Partner

At NSB Mortgage our mission is to ensure our clients receive the utmost attention to detail with regards to each of their individual needs. As a full service mortgage company we do not focus on costly overhead, but rather we feel strongly about our loan products and quality of service we provide, as well as, any recommendations from our clients. These are our necessary principals of success

NSB Mortgage is fully automated with several of our loan programs, which means fast and easy approvals and closings. We can also lend in all 50 states!

With over seventy lenders in place, our product line covers just about any loan scenario. We are a small brokerage company, which translates to a minimal overhead, allowing us to pass the savings in interest rates and fees to the borrower. NSB Mortgage WILL NOT lose a loan based upon interest rates and/or fees.

Click here to apply on-line
Click here for rate quote

John Jochim
NSB Mortgage

5400 Carillon Point
Kirkland, WA 98033
Office – 425.576.4055
Fax – 866.736.5506
WA MB # 43731 WA MB # 178256

Please Review Our:

Financing Process Timeline Get Pre-Approved

Special Programs

HARP Loans – Fannie Mae/Freddie Mac Refinance Loans

If you currently have a Fannie Mae or Freddie Mac loan, you can take advantage of our HARP program. This program allows you to quickly and easily refinance your loan at up to 105% LTV (Loan To Value). What makes the HARP program special is that, while your loan must be Fannie Mae or Freddie Mac, you can still qualify for the program is it is serviced by another source.


  • Up to 105% LTV (Loan To Value)
  • Owner occupied, 2nd Home, and investment properties are all ELIGIBLE
  • Must currently be Fannie Mae or Freddie Mac loan, but may be serviced by another source

If you are looking to refinance your current Fannie Mae or Freddie Mac loan, contact us immediately. Let NSB Mortgage put together a complete mortgage program for you – remember we always have some of the most competitive rates available.

The Fannie Mae Home Path Program

This is a brand new program available to home buyers and is a real winner. The program was established to absorb some of the home inventory out there and allow potential buyers to take advantage of those great deals with a loan program to match.


  • Up to 97% LTV (Loan To Value) on primary residences
  • Up to 90% LTV on 2nd homes and 90% on investment properties
  • Specifically for the purchase of a REO Fannie Mae Home (property must be registered with Homepath)
  • Owner occupied, 2nd Home, and investment properties are all ELIGIBLE
  • Fixed rate mortgages, adjustable rate mortgages and even interest-only mortgages are available
  • High balance loans and expanded approvals ELIGIBLE
  • No Mortgage Insurance Required!
  • No Appraisal Required (LTV based on sales price)
  • Up to 6% contributions towards closing costs and pre-paid loans allowed

If you want to take advantage of this program, do not hesitate to contact us immediately.

Canadian/International Borrower Loans

NSB Mortgage is a market leader for Canadian Borrower Loans. We have a variety of programs set up that will make purchasing a US property an easy and straightforward process. Rates on our loans are not dependent on credit score, rather on property location and loan size.


2nd Residence Loans:

  • 75% LTV (Loan To Value)
  • Rate based on loan size and property location – not credit score
  • Fast processing times

Investment Properties:

  • 65% LTV (Loan To Value)
  • Rate based on loan size and property location – not credit score
  • Fast processing times

Owner Occupied – Available to all international buyers):

  • 75% LTV (Loan To Value)
  • Rate based on loan size and property location – not credit score
  • Must be New to the US
  • Must be employed in the US

Contact us today to discuss your unique situation and let us present you with a complete loan package at the most competitive rate available.

USDA – Rural home loans – 100% financing


  • Can be used for Owner Occupied Primary Residence purchases and existing USDA refinances
  • No down payment required – 100% financing with no MI/PMI
  • No cash reserve requirement
  • Low minimum credit score requirement
  • Not just for 1st time home buyers, anyone could qualify
  • Loans up to 102% of appraised value
  • 100% gift/down payment assistance allowed on purchases
  • Repairs could be included in the loan
  • Loan may be assumable

*All Special Programs are subject to change without notice.
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