Seattle Eastside Mortgage Broker: Amazon, Microsoft & Tech RSU Specialists [2026]
By Mo Abdel, NMLS #1426884 | Lumin Lending NMLS #2716106 | Updated February 7, 2026
Serving 14 Seattle Eastside cities | Tech income & jumbo loan specialists | Licensed in CA & WA
Wholesale Mortgage Broker Seattle Eastside: Key Numbers (2026)
- 200+ wholesale lenders compete for your mortgage, driving rates below retail bank pricing
- King County 2026 conforming loan limit: $1,149,825 — most Eastside purchases require jumbo financing
- Average Eastside home purchase price: $1.65 million — wholesale brokers save $200-$500+/month vs retail rates on jumbo loans
- Amazon, Microsoft, and Google collectively employ 150,000+ workers on the Eastside — each with unique RSU/stock compensation requiring specialized mortgage qualification
- Washington State has no income tax — combined with wholesale broker savings, Eastside homebuyers retain more money in every transaction
The Seattle Eastside mortgage market demands more than a banker who fills out forms. With median home prices exceeding $1.5 million across most Eastside cities, complex tech compensation packages from Amazon, Microsoft, Google, and Meta, and property values ranging from $1 million to $15 million+, Eastside homebuyers need a wholesale mortgage broker who understands the nuances of this market and has the lender relationships to deliver results. As a wholesale broker with access to over 200 lenders, I bring the entire lending marketplace to your fingertips — comparing rates, terms, programs, and qualification methodologies to find the optimal mortgage for your specific situation.
This guide covers the wholesale mortgage broker advantage for all 14 Seattle Eastside cities, with particular focus on tech income qualification, jumbo loan programs, and the specialized lending solutions that Eastside homebuyers and homeowners require. Whether you are an Amazon L7 relocating to Bellevue, a Microsoft principal engineer buying in Sammamish, a Google manager purchasing in Kirkland, or a startup founder looking for a bank statement loan in Redmond, wholesale broker access transforms your mortgage experience from limited to unlimited.
Wholesale Mortgage Broker vs. Retail Bank: The Seattle Eastside Comparison
Understanding the structural difference between wholesale and retail lending is essential for Eastside homebuyers. This comparison reveals why financially sophisticated buyers consistently choose wholesale brokers over banks and credit unions.
| Factor | Wholesale Broker (Mo Abdel) | Retail Bank (Chase, BofA, Wells Fargo) |
|---|---|---|
| Lender Options | 200+ wholesale lenders | 1 lender (their own products) |
| Rate Shopping | Automatic across all partners | Take it or leave it |
| RSU/Stock Income | Best-methodology lender matching | One methodology (often conservative) |
| Jumbo Max Amount | $10M+ (specialized lenders) | $3M-$5M (varies by bank) |
| Non-QM Options | Bank statement, DSCR, asset depletion, bridge | Limited or none |
| Closing Timeline | 21-30 days (rush: 14-17 days) | 35-45+ days |
| Compensation Structure | Same regardless of lender chosen | Commission on bank products |
| Loyalty To | The borrower | The bank |
| Typical Rate Advantage | Lower (wholesale pricing) | Higher (retail markup) |
| Fee Transparency | Full disclosure on Loan Estimate | Fees may include retail markup |
The math is straightforward. On a $1.5 million Bellevue jumbo mortgage, a wholesale rate advantage saves $200 to $500 or more per month compared to retail bank pricing. Over a 30-year loan, that translates to $72,000 to $180,000 in total savings. Add Washington State's zero income tax advantage, and Eastside homebuyers retain more money per transaction than homebuyers in virtually any other major tech hub in the country.
Seattle Eastside Mortgage Market: 14-City Overview
The Eastside mortgage landscape varies dramatically from city to city. Understanding the specific lending requirements for each community ensures you choose the right mortgage product and lender from the start.
| City | Median Home Price | Typical Loan Type | Common Buyer Profile | Key Lending Challenge |
|---|---|---|---|---|
| Medina | $5,000,000 | Super Jumbo | C-suite, founders, UHNW | Asset-based qualification, privacy |
| Yarrow Point | $4,500,000 | Super Jumbo | Tech executives, investors | Waterfront valuation, trust ownership |
| Hunts Point | $3,000,000 | Super Jumbo | UHNW families, retirees | Gated community access, unique comps |
| Clyde Hill | $2,500,000 | Jumbo | Senior executives, professionals | View property valuation |
| Mercer Island | $2,300,000 | Jumbo | Tech VPs/directors, physicians | Lakefront premium, island comps |
| Beaux Arts Village | $2,000,000 | Jumbo | Established professionals | Limited comps (300 residents) |
| Sammamish | $1,700,000 | Jumbo | Senior tech employees, families | RSU income, large lot valuation |
| Bellevue | $1,500,000 | Jumbo | Tech professionals, all levels | RSU/stock qualification, competitive bids |
| Newcastle | $1,500,000 | Jumbo | Professionals, move-up buyers | View property premium justification |
| Redmond | $1,400,000 | Jumbo | Microsoft employees, tech workers | Stock-heavy income documentation |
| Kirkland | $1,300,000 | Jumbo or Conforming | Google employees, professionals | Mixed inventory (condos to SFR) |
| Woodinville | $1,300,000 | Jumbo or Conforming | Rural-suburban buyers, equestrian | Acreage/mixed-use property valuation |
| Issaquah | $1,200,000 | Conforming or Jumbo | Tech professionals, families | Master-planned community guidelines |
| Bothell | $1,000,000 | Conforming | First-time buyers, biotech workers | Conforming limit edge cases |
Tech Income Qualification: How Wholesale Brokers Maximize Eastside Buyer Power
The single biggest challenge for Seattle Eastside homebuyers is income qualification. Tech compensation packages are unlike any other industry: base salary may represent only 40-60% of total compensation, with the remainder consisting of RSUs, stock options, signing bonuses, annual bonuses, and other equity-based pay. How a lender calculates this income directly determines how much home you can afford — and lender methodologies vary wildly.
| Income Type | Conservative Lender | Moderate Lender | Best-Fit Lender (via Broker) |
|---|---|---|---|
| Vested RSUs | Not counted | 2-yr avg, 25% discount | 2-yr avg, full value at vest date |
| Unvested RSUs | Not counted | Not counted | Partial credit (select lenders) |
| Annual Bonus | Not counted | 2-yr avg if documented | 2-yr avg or offer letter amount |
| Signing Bonus | Not counted | May count as assets | Assets or income amortization |
| Stock Options (vested) | Not counted | Exercise history required | 2-yr exercise avg or current value |
| New Job Offer Letter | 30 days on job required | Offer letter accepted | Offer letter pre-start date |
The wholesale difference in real numbers: Consider an Amazon L7 (Senior Manager) relocating to Bellevue with $250K base salary, $300K in annual RSU vesting, $75K target bonus, and $100K signing bonus. A conservative bank counts only the $250K base — qualifying for roughly a $1.2M purchase. A best-fit wholesale lender counts $250K base + $300K RSU average + $50K bonus average = $600K qualifying income — unlocking a $2.8M+ purchase. Same buyer, same income, completely different outcome based on lender selection.
Mortgage Solutions by Employer: Amazon, Microsoft, Google & Meta
Each major Eastside employer structures compensation differently, and understanding these nuances allows a wholesale broker to match employees with the most favorable lender for their specific package.
Amazon Employees (Bellevue, Redmond)
Amazon's compensation structure is unique: base salary caps around $175K-$185K with heavy RSU loading, especially at L6+ levels. RSUs vest on a back-loaded schedule (5% year 1, 15% year 2, 40% year 3-4) that complicates income averaging.
Wholesale broker solution: We use lenders who calculate Amazon RSU income using a forward-looking vesting schedule rather than a 2-year lookback, which benefits employees in years 3-4 of their vesting cycle. For recent Amazon hires (L6+), we pair with lenders who count the offer letter total compensation to maximize purchasing power before full vesting history exists.
Microsoft Employees (Redmond, Bellevue, Sammamish)
Microsoft provides a more balanced compensation mix: competitive base salary, annual stock awards (vesting quarterly), and performance bonuses. The quarterly vesting creates consistent income that lenders handle more easily.
Wholesale broker solution: Microsoft's quarterly RSU vesting creates a strong, documentable income history. We use lenders who count both the base and the 2-year RSU average at full value, plus the annual bonus as documented on tax returns. For Microsoft executives relocating from other offices, we pre-approve based on the offer letter before they arrive on campus — closing within 21-30 days of finding a home.
Google Employees (Kirkland)
Google's Kirkland campus houses a growing workforce with compensation packages that include substantial base salaries, GSU (Google Stock Units) vesting monthly, and performance bonuses. Monthly vesting provides the most consistent RSU income stream for mortgage qualification.
Wholesale broker solution: Google's monthly GSU vesting is the most lender-friendly structure among major Eastside employers. We leverage this with lenders who count current annual GSU value rather than requiring a 2-year history, which benefits recently promoted or hired Google employees. Kirkland purchases typically fall in the $1.1M-$1.8M range, aligning with both conforming high-balance and jumbo products.
Meta Employees (Bellevue)
Meta's Bellevue office houses engineers and product teams with compensation structures similar to Google: competitive base, RSU vesting quarterly, and performance bonuses. Meta RSUs vest on a quarterly schedule over four years.
Wholesale broker solution: We pair Meta employees with lenders experienced in qualifying quarterly-vesting RSUs and who accept Meta stock at current market value rather than requiring historical exercise data. For Meta employees who joined during a stock price dip, we use lenders that calculate RSU income based on current stock price rather than the lower historical vesting price, maximizing qualifying income.
Real-World Scenario: Amazon L7 Purchasing in Bellevue
The Situation
Sarah, an Amazon L7 (Senior Manager), is relocating from the Bay Area to Bellevue. She has been at Amazon for 18 months with the following compensation: $185K base salary, $800K in RSUs vesting over 4 years (year 1: 5% = $40K, year 2: 15% = $120K, year 3: 40% = $320K, year 4: 40% = $320K), $80K signing bonus received, and $50K target annual bonus.
The Bank Approach
Her current bank at Chase counts only her $185K base salary and the $40K in year-1 RSU vesting received so far. Total qualifying income: $225K. Maximum purchase with 20% down: approximately $1.1M. This eliminates 70% of Bellevue homes from consideration.
The Wholesale Broker Approach
We identify a wholesale lender that uses the full 4-year RSU vesting schedule annualized ($200K/year average), adds the $185K base and $40K bonus average. Total qualifying income: $425K. Maximum purchase with 20% down: approximately $2.1M. This opens virtually the entire Bellevue market.
The Result
Sarah purchases a $1.85M home in Somerset with 20% down ($370K). The wholesale rate saves her $320/month compared to the retail rate Chase offered on a lower loan amount. Over 7 years (the average Eastside hold period), she saves $26,880 in interest payments — plus she lives in the home she actually wanted rather than settling for a lesser property.
Real-World Scenario: Microsoft Executive Relocating to Redmond
The Situation
David is a Microsoft Partner (L68) transferring from the Hyderabad office to Redmond headquarters. His new compensation package: $300K base, $500K in annual RSU grants, $200K target bonus. He has $2M in liquid assets and wants to purchase a $2.5M home in Education Hill. He has not started the new role yet and has no US income history.
The Challenge
Most banks require 30 days of pay stubs from the new role, plus a 2-year income history in the same line of work. David has neither US pay stubs nor US-based income history, despite being a senior Microsoft executive for 12 years internationally.
The Wholesale Broker Solution
We match David with a portfolio lender that accepts the Microsoft offer letter as proof of income, uses his international Microsoft tenure as employment history, and counts the full $1M compensation package for qualification. Additionally, his $2M in liquid assets provides a 12-month reserve buffer that satisfies the lender's jumbo requirements.
The Result
David closes on his $2.5M Redmond home within 28 days of offer acceptance. The wholesale rate is competitive with domestic borrowers, and the process is seamless despite the international relocation complexity. His family moves directly from temporary housing into their permanent home without delays.
Real-World Scenario: Kirkland Startup Founder with Bank Statement Loan
The Situation
Alex is the founder and CEO of a Series B startup with offices in downtown Kirkland. The company generates $8M in annual revenue, but Alex takes a modest $120K salary while reinvesting profits. His personal tax returns show $120K income for the past two years. He wants to purchase a $1.4M home in the Houghton neighborhood.
The Challenge
Based on tax return income of $120K, a conventional mortgage qualifies Alex for approximately $580K — less than half the purchase price. His actual economic capacity is far higher, but the tax returns do not reflect it.
The Wholesale Broker Solution
We use a bank statement loan program that calculates income from 12 months of personal bank deposits. Alex's bank statements show $350K in annual deposits (salary, distributions, consulting income, investment returns). The lender uses 80% of average monthly deposits as qualifying income, resulting in $280K annual qualifying income. With a 25% down payment, Alex qualifies for the $1.4M purchase.
The Result
Alex purchases his Kirkland home using a bank statement program accessed through wholesale broker channels. The rate carries a modest premium over conventional pricing, but the flexibility to qualify on actual cash flow rather than tax return income makes the purchase possible. No other bank he approached could offer this solution.
Beyond Conventional: Non-QM & Specialty Loan Programs for the Eastside
The diverse Eastside buyer pool demands loan products that go beyond conventional mortgages. Wholesale broker access to 200+ lenders unlocks an array of specialty programs designed for non-traditional income profiles, investment strategies, and unique property types.
Bank Statement Loans
Who it serves: Self-employed professionals, startup founders, consultants, gig economy workers, business owners
How it works: Uses 12-24 months of personal or business bank statements to calculate qualifying income instead of tax returns
Eastside use case: Startup founders in Kirkland and Bellevue who reinvest profits and show modest personal income on tax returns
DSCR Investment Loans
Who it serves: Real estate investors purchasing rental properties
How it works: Qualifies based on property rental income (Debt Service Coverage Ratio) rather than personal income. No W-2s, tax returns, or employment verification needed.
Eastside use case: Tech professionals building rental portfolios across the Seattle metro without affecting their DTI for primary residence mortgages
Asset Depletion Loans
Who it serves: Retirees, high-net-worth individuals with large portfolios but limited W-2 income
How it works: Divides total liquid assets by a set number of months (typically 240-360) to create a monthly qualifying income figure
Eastside use case: Retired Microsoft or Amazon executives in Medina and Mercer Island with $5M+ in investments but no employment income
Bridge Loans
Who it serves: Homeowners buying before selling, competitive bid situations
How it works: Short-term financing (6-12 months) that allows you to purchase a new home before selling your current home, using combined equity as qualification
Eastside use case: Move-up buyers in Sammamish purchasing in Bellevue who need to close quickly to win a competitive offer without a sale contingency
The Washington State Wholesale Advantage: No Income Tax + Wholesale Rates
Washington State's absence of state income tax creates a compounding financial advantage when combined with wholesale mortgage pricing. Here is how the math works for Eastside homebuyers compared to identical purchases in California.
| Financial Factor | WA Eastside (Wholesale) | CA Bay Area (Retail Bank) | Annual WA Advantage |
|---|---|---|---|
| State Income Tax on $400K Income | $0 | $37,200 (CA 9.3%) | $37,200 |
| Wholesale vs Retail Rate Savings ($1.5M loan) | Wholesale pricing | Retail markup | $3,600-$6,000 |
| State Tax on Investment Returns ($50K) | $0 | $4,650 | $4,650 |
| Total Annual Advantage | — | — | $45,450-$47,850 |
Over a 10-year period, the combined Washington State no-income-tax advantage and wholesale rate savings amount to $450,000 to $480,000 or more for a high-earning tech professional. This is not a theoretical exercise — it is the actual financial reality for thousands of Eastside homeowners who choose Washington State over California and wholesale brokers over retail banks.
The Wholesale Mortgage Process: From Pre-Approval to Closing
Working with a wholesale mortgage broker on the Eastside is straightforward, efficient, and designed to give you a competitive advantage in the market. Here is what the process looks like from initial contact to closing day.
Free Consultation & Strategy Session
We review your income profile (base, RSUs, bonus, stock options), down payment resources, target price range, and timing. This 30-minute conversation establishes the optimal loan strategy: which product type, which lender qualification methodology, and what documentation you need to gather. We identify any potential issues early to prevent surprises during underwriting.
Pre-Approval with Verified Purchasing Power
Within 24-48 hours of receiving your documentation, we issue a fully underwritten pre-approval letter showing your maximum purchase price and estimated monthly payment. This is not a generic pre-qualification — it is a verified pre-approval backed by actual lender review. In the competitive Eastside market, sellers and listing agents recognize the strength of a wholesale broker pre-approval backed by 200+ lender options.
Rate Shopping & Lender Selection
When you find a property and go under contract, we shop your loan across all 200+ wholesale lender partners. You receive a comparison of the top 3-5 options with rate, APR, closing costs, and terms clearly presented. You choose the lender that provides the best overall value — not the one that pays us the most (our compensation is the same regardless).
Processing & Underwriting
Our processing team submits your complete file to the selected lender. We coordinate appraisal ordering, title work, and insurance requirements in parallel to compress the timeline. Any underwriting conditions are addressed immediately — often within hours rather than days. We communicate proactively, so you always know where your loan stands.
Closing & Funding
Closing documents are prepared 3-5 days before your closing date. We review every number with you to ensure accuracy. Signing takes 45-60 minutes, and funding typically occurs the same day or next business day. Total timeline: 21-30 days for most transactions, 14-17 days for rush closings with seller cooperation.
Why Choose Mo Abdel as Your Eastside Wholesale Mortgage Broker
There are many mortgage professionals on the Eastside. Here is what distinguishes our wholesale brokerage from the rest and why discerning Eastside homebuyers consistently choose us.
200+ Lender Access
No single bank, credit union, or direct lender matches this breadth of options. We compare conventional, jumbo, non-QM, and specialty products from over 200 wholesale partners to find the best fit for your unique situation — every single time.
Tech Compensation Expertise
We understand Amazon's back-loaded RSU schedule, Microsoft's quarterly vesting, Google's monthly GSU distribution, and Meta's stock structure. This knowledge translates directly into higher qualifying income and greater purchasing power for every tech employee we serve.
Jumbo & Super-Jumbo Mastery
Most Eastside purchases exceed the conforming loan limit. Our jumbo lender relationships extend to $10M+ for Medina, Hunts Point, and Yarrow Point estates. We know which lenders price jumbo competitively, which handle unique properties, and which close on time without surprises.
Dual-State Licensing (WA + CA)
Licensed in both Washington and California, we serve tech professionals moving between the two states, investors with properties in both markets, and families maintaining homes on both coasts. One broker, two states, seamless service.
Unbiased Recommendations
Our compensation is identical regardless of which lender you choose. We have zero financial incentive to push you toward one product over another. The recommendation you receive is based solely on your best interest — a fundamental advantage over bank loan officers who sell their employer's products.
Aggressive Timelines
In the competitive Eastside market, closing speed wins deals. We close conventional purchases in 21-30 days and have completed rush closings in as little as 14 days. Pre-approval letters issued within 24-48 hours give buyers the confidence to write strong offers.
Related Seattle Eastside Mortgage Resources
Whether you are buying, refinancing, accessing equity, or exploring reverse mortgage options, these related guides cover every mortgage need for Eastside homeowners and homebuyers.
Reverse Mortgage Seattle Eastside Guide
HECM and jumbo reverse mortgage options for Eastside seniors 62+. Access equity with no monthly payments through 200+ lender access.
Home Equity Seattle Eastside Guide
HELOC, HELOAN, and cash-out refinance options for Eastside homeowners. Compare products across 200+ lenders for the best rates and terms.
Washington State Wholesale Broker Guide
Statewide overview of wholesale mortgage advantages, WA-specific programs, and regional market analysis across all Washington communities.
Bank Statement Loans for Self-Employed
Complete guide to bank statement mortgage programs for startup founders, consultants, and self-employed professionals on the Eastside.
Orange County and California homebuyers can explore our California Wholesale Mortgage Broker Guide and our Wholesale vs. Retail Mortgage Guide for additional resources.
Frequently Asked Questions: Wholesale Mortgage Broker Seattle Eastside
What is a wholesale mortgage broker on the Seattle Eastside?
A wholesale mortgage broker is an independent licensed professional who shops your mortgage across 200+ wholesale lenders to find the best rate and terms. Unlike a bank loan officer who offers only that bank's products, a wholesale broker represents you in the lending marketplace, creating competition among lenders for your business. This results in lower rates, more product options, and better overall terms.
How does a wholesale broker qualify Amazon RSU income for a mortgage?
RSU qualification varies significantly by lender, which is why wholesale broker access matters. The most favorable lenders for Amazon employees count vested RSUs using a 2-year average at the stock price on vesting date. Some lenders also provide partial credit for unvested RSUs. We match Amazon employees with the lender whose RSU methodology maximizes their qualifying income — often resulting in $100K-$200K more income recognition compared to a conservative bank calculation.
Can a wholesale broker get better rates than Chase or Bank of America on the Eastside?
Yes, consistently. Wholesale rates are structurally lower than retail bank rates because wholesale lenders operate with lower overhead and compete against 200+ other lenders for every loan. A large bank offers one rate — theirs — with no competitive pressure. On a $1.5M Bellevue jumbo mortgage, this rate advantage saves $200-$500+ per month, or $72,000-$180,000 over the life of a 30-year loan.
What types of loans does a wholesale mortgage broker offer on the Eastside?
Every type. Through 200+ lender partners, we offer conventional, jumbo ($10M+), FHA, VA, bank statement loans, DSCR investment property loans, asset depletion loans, non-QM, bridge loans, construction loans, HELOCs, HELOANs, cash-out refinances, and reverse mortgages (HECM and jumbo). This comprehensive product access ensures the right solution exists for every Eastside buyer and homeowner.
How does a wholesale broker help startup founders get mortgages on the Eastside?
Startup founders face unique challenges: variable compensation, equity-heavy packages, business deductions that reduce taxable income, and sometimes minimal W-2 income. Wholesale brokers access bank statement loan programs (using 12-24 months of deposits instead of tax returns), asset depletion loans (using liquid assets to calculate income), and portfolio lenders who evaluate total financial picture. These solutions are rarely available through retail banks.
What is the maximum jumbo loan amount available on the Seattle Eastside?
Through wholesale lender access, jumbo mortgages on the Eastside are available up to $10 million or more for qualified borrowers. For ultra-luxury purchases in Medina, Hunts Point, and Yarrow Point, specialized super-jumbo lenders provide financing on properties valued at $15M+. Standard jumbo loans begin above the 2026 King County conforming limit of $1,149,825.
How does a Microsoft employee relocation mortgage work on the Eastside?
Microsoft employees relocating to the Eastside benefit from fast pre-approval using an offer letter (before starting the new role), RSU income counting from the compensation package, relocation stipend consideration as assets, and access to lenders deeply familiar with Microsoft's compensation structure. We have closed relocation purchases in as little as 21 days from contract to keys, allowing families to settle quickly.
What is a bank statement loan and who qualifies on the Eastside?
A bank statement loan uses 12-24 months of personal or business bank statements to verify income instead of tax returns. Qualifying income is calculated as a percentage (typically 50-100%) of average monthly deposits. This program serves self-employed Eastside professionals, startup founders, consultants, freelancers, and business owners whose tax returns understate their true earning capacity due to legitimate business deductions.
How fast can a wholesale broker close a mortgage on the Eastside?
Wholesale brokers close conventional and jumbo purchases on the Eastside in 21-30 days as standard timeline. Rush closings in 14-17 days are achievable with complete documentation readiness, cooperative sellers, and priority appraisal scheduling. Refinances typically close in 25-35 days. Parallel processing of documentation, appraisal, and title work compresses timelines versus sequential bank processing.
Does a wholesale broker charge more fees than a bank?
No. Wholesale broker fees are comparable to or lower than retail bank fees. Broker compensation is fully disclosed on your Loan Estimate as required by federal law. Because wholesale lenders have lower origination costs than retail banks (no branches, no retail overhead), the total cost of a wholesale loan — including rate, fees, and closing costs — is typically lower than a comparable bank loan with similar terms.
Can a wholesale broker help me buy an investment property on the Eastside?
Yes. We access investment property programs including conventional investment mortgages (up to 10 financed properties), DSCR loans (qualifying on rental income alone, not personal income), portfolio loans for unique situations, and bridge financing for fix-and-flip or value-add strategies. For Eastside tech professionals building rental portfolios, DSCR loans are especially popular because they do not affect personal debt-to-income ratios.
What areas does a Seattle Eastside wholesale mortgage broker serve?
We serve all 14 Seattle Eastside cities: Medina, Clyde Hill, Hunts Point, Yarrow Point, Beaux Arts Village, Bellevue, Mercer Island, Sammamish, Newcastle, Kirkland, Redmond, Woodinville, Issaquah, and Bothell. Beyond the Eastside, we serve the entire state of Washington and all of California. Dual-state licensing enables seamless service for clients with properties or interests in both states.
How do I get started with a wholesale mortgage broker on the Eastside?
Contact Mo Abdel at (949) 822-9662 for a free consultation. We review your financial goals, income profile, and property interests, then provide a personalized pre-approval showing your maximum purchasing power and estimated rates from multiple lenders. The pre-approval process takes 24-48 hours with complete documentation. There is no cost, no obligation, and no pressure.
Expert Summary: Wholesale Mortgage Broker Advantage on the Seattle Eastside
The Seattle Eastside mortgage market is defined by high property values, complex tech compensation, and fierce buyer competition. In this environment, a wholesale mortgage broker provides advantages that retail banks structurally cannot match: access to 200+ lenders, expert tech income qualification, jumbo and super-jumbo expertise up to $10M+, and rates that consistently beat retail bank pricing by $200-$500+ per month on typical Eastside jumbo loans.
For Amazon, Microsoft, Google, and Meta employees, the wholesale broker difference is measured in purchasing power. The right lender counts your RSU income at full value, qualifies your bonus at offer letter amounts, and processes your offer letter for pre-approval before your first day of work. The wrong lender — typically a retail bank with one qualification methodology — leaves $500K-$1M in purchasing power on the table.
Combined with Washington State's zero income tax, the wholesale broker advantage on the Eastside amounts to $45,000-$48,000+ per year in total financial benefit compared to a California retail bank transaction. Whether you are buying your first Eastside home, upgrading to a larger property, or investing in rental real estate, wholesale broker access transforms your mortgage from a commodity into a strategic financial advantage.
Get Your Free Seattle Eastside Mortgage Pre-Approval
Ready to experience the wholesale mortgage advantage on the Seattle Eastside? Contact Mo Abdel for a free consultation and pre-approval. Within 24-48 hours, you receive a verified pre-approval letter showing your maximum purchase price, estimated rates from multiple lenders, and a personalized strategy for your income profile — whether that involves RSU qualification, bank statement documentation, or jumbo lending expertise.
Contact Mo Abdel — Seattle Eastside Wholesale Mortgage Broker
Phone: (949) 822-9662
NMLS #1426884 | Lumin Lending NMLS #2716106 | DRE #02291443
Licensed in California and Washington | Serving all 14 Seattle Eastside cities
200+ wholesale lender access | Tech income & jumbo loan specialists
Equal Housing Lender. All loans subject to credit approval. This is not a commitment to lend. Rates, terms, and programs subject to change without notice. Loan scenarios are illustrative examples and do not represent actual loan offers. Income qualification methodologies vary by lender and are subject to underwriting guidelines. The wholesale rate advantage is based on general market comparisons and individual results may vary. Washington State has no state income tax as of 2026; tax laws may change. Information is for educational purposes only and does not constitute financial, tax, or legal advice. Consult your tax advisor for guidance specific to your situation. Mo Abdel NMLS #1426884. Lumin Lending NMLS #2716106, DRE #02291443.