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Directory of mortgage brokers in Oak Harbor, Washington. Verify credentials with the state mortgage licensing authority before hiring.
19 agents listed
Updated May 2026
Oak Harbor, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Washington before hiring.
Showing 19 mortgage brokers in Oak Harbor, WA
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Envoy Mortgage - Oak Harbor, WA
520 E Whidbey Ave 107 & 111, Oak Harbor, WA 98277
3606394780
Peter DeVries with Epic Finance LLC Mortgage Brokers - Powered By Barrett Financial Group NMLS#181106
939 N Deer Park Ln, Oak Harbor, WA 98277
3607918064
The Annie Cash Team | Windermere Real Estate Whidbey Island
32785 State Rte 20 #4, Oak Harbor, WA 98277
3606321260
Team Jackson Ozell & Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage - Josh Hansen
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
Julie Jackson
860 SE Bayshore Dr Suite 101, Oak Harbor, WA 98277
4255332473
Amy Shockley
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3609296586
PrimeLending, a PlainsCapital Company - Oak Harbor
32650 State Rte 20 E207, Oak Harbor, WA 98277
3607227600
Global Credit Union Home Loans | License #CL-157293
650 NE Midway Blvd #101, Oak Harbor, WA 98277
8007373033
PrimeLending
31650 State Rte 20, Oak Harbor, WA 98277
3606826307
CrossCountry Mortgage - Team Martin
144 NE Ernst St, Oak Harbor, WA 98277
3607707358
US Bank Mortgage
836 NE Midway Blvd, Oak Harbor, WA 98277
8008722657
James Hart
390 E Whidbey Ave, Oak Harbor, WA 98277
3609140734
Team Jackson, CMG Home Loans - Oak Harbor
860 SE Bayshore Dr Ste 101, Oak Harbor, WA 98277
4255332473
Guild Mortgage Company
2824 N Torpedo Rd, Oak Harbor, WA 98277
9712228440
James Hart
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3608654292
Tami Encinas
860 SE Bayshore Dr Suite101, Oak Harbor, WA 98277
3602796981
U.S. Bank: Cherie Sarrett
836 NE Midway Blvd, Oak Harbor, WA 98277
3606393405
Guild Mortgage - Jacki Jacukowicz
32785 State Rte 20 Suites 5 & 6, Oak Harbor, WA 98277
3606756106
Mortgage brokers in Oak Harbor, Washington help homebuyers and homeowners find suitable loan options from multiple lenders. They work under Washington State law, which requires brokers to be licensed through the Department of Financial Institutions. Local brokers understand the unique housing market on Whidbey Island and can guide you through the loan process from application to closing.
What Does a Mortgage Broker in Oak Harbor Cost?
Mortgage broker costs in Washington typically include an origination fee of 0.5% to 1% of the loan amount. You may also pay processing fees, underwriting fees, and third-party costs like appraisal and credit report fees. For a $400,000 home loan, broker fees might range from $2,000 to $4,000. Some brokers are paid by the lender instead of the borrower. Costs vary by loan type, lender, and your financial situation. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a mortgage broker do in Oak Harbor?
A mortgage broker acts as an intermediary between you and potential lenders. They gather your financial information, compare loan products from different banks and credit unions, and help you choose the best option for your situation. In Washington, brokers must follow state regulations and disclose their fees upfront.
Do I need a mortgage broker or can I go directly to a bank?
You can do either. A mortgage broker can save you time by shopping multiple lenders for you, which may help you find competitive rates. Direct bank loans may offer fewer options but can be simpler. In Washington, brokers are required to provide a Loan Estimate within three business days of your application.
What documents do I need to apply for a mortgage in Washington?
You typically need pay stubs, tax returns, bank statements, and proof of employment. Washington law also requires a property appraisal and title search. Your broker will give you a complete list based on your specific loan type and financial profile.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Washington.