Wholesale Reverse Mortgage Broker | Seattle
Serving Seattle, Tacoma, Bellevue, Lake Stevens and all of WA and ID. Reverse Mortgage expert helping Seniors unlock their home equity, age in place and enjoy their retirement years.
Watch: Understanding Reverse Mortgages
See how a reverse mortgage can help you unlock your home equity and enjoy retirement.
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Wholesale vs Retail: Why Transparency Saves You Money
Why it Matters for Your Retirement
When you work with a retail lender, you are paying for their national TV commercials and large corporate offices. When you work with 1mortgageloan.com, we cut out the middleman. By accessing the wholesale market, we provide the same FHA-insured HECM products but with lower interest rate margins. The result? More of your home's equity stays where it belongs—with you.
How a Reverse Mortgage Works for Washington & Idaho Homeowners
Homeowners 62 and older can convert home equity into cash without monthly mortgage payments. Our wholesale reverse mortgage solutions are tailored to the unique real estate markets of Everett, Lake Stevens, Marysville, Snohomish, Seattle, Bellevue, Tacoma, and the greater Seattle metro area, serving all communities throughout Washington and Idaho.
Flexible Fund Usage
  • Debt consolidation
  • Home improvements
  • Healthcare expenses
  • Lifestyle enhancement
Protection & Peace of Mind
Loan repaid only when you sell, move, or pass away. Non-recourse protection ensures you or your heirs never owe more than your home's value.
Free Reverse Mortgage Calculator for Washington & Idaho Homeowners
Instant Insights
Our real-time wholesale engine is being updated for 2026 HUD limits. Contact Keith directly for an immediate manual calculation.
1
Loan Proceeds
Calculate available funds based on your home's value and age
2
Detailed Costs
Transparent breakdown of estimated fees and expenses
3
Payment Options
Explore flexible disbursement methods. Lump sum, Credit line that grows or monthly annuity.
Wholesale Mortgage Benefits for Snohomish County & Greater Seattle Homeowners
Licensed wholesale mortgage broker serving Everett, Lake Stevens, Marysville, Snohomish, Seattle, Bellevue, Tacoma, and homeowners across Washington and Idaho. We provide transparent pricing and personalized service across all loan programs including FHA/VA/Conforming and Jumbo loan options.
Lower Interest Rates
Reduced fees compared to retail brokers
Faster Processing
Direct lender relationships streamline approvals
Exclusive Products
Access to a wider range of loan options, including jumbo and specialized programs
Education First
No pressure sales — decide on your timeline
Complete Loan Solutions for Every Homeowner
Whether you're buying your first home, refinancing, or building an investment portfolio, we offer wholesale rates across all major loan programs throughout Idaho and Washington.
Conventional Loans
Competitive rates for primary homes, second homes, and investment properties
FHA Loans
Low down payment options with flexible credit requirements
VA Loans
Zero down payment for eligible veterans and service members
Jumbo Loans
Financing for high-value properties exceeding conforming limits
DSCR Loans
Investor-focused loans based on property cash flow, not personal income
Reverse Mortgages
Access home equity without monthly payments for homeowners 62+
Let's Discuss Your Home Equity Options
Get personalized guidance from a trusted local expert 24/7
Free consultation • No pressure • Transparent pricing
Meet Keith Humphrey: 25 Years of Local Wholesale Mortgage Expertise
Washington & Idaho Expert
Serving Everett, Lake Stevens, Marysville, Snohomish, Seattle, Bellevue, Tacoma, Boise and surrounding communities since 1998
Education First
Patient guidance through every step of the mortgage loan process
Having the right home financing expert means having a lender who is committed to a fiduciary level responsibility to always act in your best interest. With over 25 years in the lending and real estate business throughout the Pacific Northwest region, that is my goal for every client I work with. This commitment level has helped me build a remarkable track record of delivering results.
Outside of the lending and real estate world I enjoy spending my time outdoors enjoying all that the great Pacific Northwest offers. Fly fishing, boating, hiking and watching my Seahawks shoot for the Super Bowl each year are some of my favorite hobbies.
Thank you for taking a few minutes to stop by. Please connect with me for a quick, no obligation analysis of your financing goals so we can build out a plan that meets those needs.
⭐⭐⭐⭐⭐ Reviews: What Our Clients Say
Hear directly from those who have experienced our dedication to their home financing journey.
"Keith is very knowledgeable about every aspect of the home buying (and selling) process. He is always willing to answer questions and does everything he can to make sure things go smoothly and his clients are satisfied. Whether you're buying or selling he will make the experience as painless as possible and help guide you to get the most for your money. I have now purchased 2 homes with him and sold one, cannot recommend enough."
— Holly I ⭐⭐⭐⭐⭐
"Keith was a great, responsive professional to have on my side during my first home purchase. He helped me every step of the way and went beyond my expectations, which was a great relief during the complicated process. I will recommend everyone to Keith. Thank you!"
— Brent B ⭐⭐⭐⭐⭐
"Keith has been a pleasure to work with! Purchasing a new home for the first time can be a confusing/stressful experience, but Keith definitely helped ease our nerves. Awesome communication throughout the whole process. We definitely learned a lot, and he was there to answer any questions we had. Would definitely recommend!!!"
— Shane O ⭐⭐⭐⭐⭐
Compliance Information
Contact Information
Keith Humphrey, Senior Mortgage Advisor
Cell: (206) 227-7179
Email: keith@1mortgageloan.com
NMLS #95597
Company Information
OC Home Loans, Inc | NMLS #1842513
24302 Del Prado Ave #B, Dana Point, CA 92629
www.ochmloans.com