Licensed in Washington, Idaho & Montana · Since 2004
Pacific Mortgage Center is a mortgage broker headquartered in Spokane, WA and licensed across Washington, Idaho, and Montana. From physician loans to down payment assistance to reverse mortgages, we shop competitive rates across lenders and keep your closing on schedule — not a call center, not a bidding war.
Whether you're a first-time home buyer in Spokane, WA or refinancing a property in Idaho or Montana, Pacific Mortgage Center shops current mortgage rates across multiple lenders so you're not stuck with one bank's number. Every loan is handled by a licensed loan officer — not a call center.
Specialty programs
Beyond standard purchase loans, we run several programs most banks don't offer — for physicians, buyers who need down payment help, seniors sitting on home equity, and self-employed borrowers.
PHYSICIANS & DOCTORS
100% financing with no mortgage insurance and no AUS requirement. Loan amounts up to $2 million, fixed and ARM options. One FICO score required (680 minimum), student loan payments excluded, and gift funds allowed for closing and reserves.
LOW OR NO DOWN PAYMENT
An FHA-based program pairing your first mortgage with a second mortgage offering 3.5% or 5% assistance — usable for both your down payment and closing costs.
HOMEOWNERS 62+
Turn home equity into cash with no monthly mortgage payment. Take a lump sum, open a standby line of credit, or choose a plan that preserves equity for your heirs.
CURRENT FHA HOMEOWNERS
A faster way to refinance an existing FHA loan — appraisal waivers on most files and closings typically in 20 days.
TAP YOUR EQUITY FAST
Appraisal waiver on most files, initial approval in as little as 15 minutes after your application uploads, and closing in about 10 days. Available for self-employed borrowers and rental properties.
HIGH-VALUE & GROUND-UP
Loan sizes up to $3 million, including a ground-up construction loan that rolls into a 30-year fixed at completion — one closing, not two. Self-employed borrowers can qualify with bank statements instead of tax returns.
WA, ID & MT home loan programs
We're not tied to one bank's guidelines. As a mortgage broker licensed in Washington, Idaho, and Montana, we compare rates across wholesale lenders and match the program to your situation — including first-time home buyer loans and refinance options.
MOST COMMON
Fixed or adjustable-rate loans that meet Fannie Mae and Freddie Mac guidelines. Strong option with 5–20% down.
LOW DOWN PAYMENT
Down payments as low as 3.5% and more flexible credit and income requirements than conventional loans.
VETERANS & SERVICE MEMBERS
Available for eligible veterans and active duty — negotiable rates, no down payment, no private mortgage insurance.
RURAL PROPERTIES
Zero-down financing backed by the USDA for eligible homes in designated rural areas of WA, ID & MT.
NOT SURE?
Tell us your situation and we'll tell you what actually applies — no pressure, no obligation.
Why homebuyers pick PMC
You get a direct line to the person underwriting your loan, not a rotating queue of call center reps.
As a broker, we compare offers across multiple wholesale lenders instead of quoting one bank's rate sheet.
Headquartered in Spokane and licensed across WA, ID & MT — realtors send us clients specifically because we close on time.
How it works
Fill out the short form below or call us. No hard credit pull just to talk through your options.
Your loan officer compares programs and lenders, then walks you through the numbers in plain language.
We track every document so your closing date holds — coordinated directly with your realtor and title company.
From homeowners in WA, ID & MT
4.2★★★★☆ out of 5 — 10 reviews on Google
He was able to get us a loan for our first flip in this city. He provided guidance as well as referrals for attorney, title company, and where to find the best materials. Nothing but class.
I've done multiple loans with Pacific Mortgage Center, and they always impress me with the level of service and responsiveness. They work hard to get me the best rates and keep me updated every step of the way.
I have personally worked with Alan for 2 years, and he is professional as well as knowledgeable in his work. I highly recommend working with Alan as well as his team.
Common questions
Ready when you are
A loan officer reviews every submission personally — this doesn't go to a call center.