Smarter Home Financing for the Smart Home Shopper.

We believe getting a mortgage should be transparent, simple, and built for the modern home shopper. That's why we provide the tools, insights and strategies to help you make confident decisions--before you even apply.

Simple. Transparent. Tailored to Your Needs.

READY TO GIVE US A TRY?

Get Started for Free Today!

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Be Connected.

Be THE Insider.

(415) 212-6451

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Own Your Future, Ignite Your Dreams!

Success begins with a strong will and consistent effort. Every small step brings you closer to your goals. Believe in yourself, embrace challenges, and never give up. Start today and turn your dreams into reality!

MEET THE ORIGINATOR

Hi, I'm Lance Morgan!

Since 2001, I’ve navigated the toughest real estate markets, standing strong through every challenge. My unwavering commitment to helping homebuyers and homeowners is what drives me every day.

I specialize in guiding you through the mortgage process with confidence—welcome to the Lance-A-LOT factor!

Whether you’re buying your first home or refinancing, I provide personalized loan solutions tailored to your financial goals. My mission? To make the process

smooth, stress-free, and cost-effective

while securing the best rates and terms available.

What sets me apart? I originate loans in the

wholesale mortgage marketplace—where

diverse loan options and lower-cost financing put you at an advantage over traditional retail lenders. That means

more choices, better rates, and real savings for you.

Let’s work together to turn your homeownership dream into reality.

Get started today! 🚀

Accuracy Matters!

Empowering & FAST!

RESPONSIVE - SNAP!

Lance Morgan | Seattle Wholesale Mortgage

Industry respected, crafted locally...

"I love what I do! I live a life of always being "on-call" , I like being available to help, I'll literally help anyone."

'"Being able to think outside of the box and always challenging my OCD ways for accuracy and understanding how things work is what I enjoy."

"Seriously, as a loan officer ,my reputation is everything so I approach things different than most. Continuous self-improvement, understanding, and excellence in my work, a must. Having grown-up in a farming family with lots of responsibility at an early age, I take the reliability factor to a new level. I understand the value I bring to the table."

[email protected]

ATTENTION: Home Buyers & HomeOWNERs

More Than Just a Loan - Your Partner in Homeownership

Experience Mortgage Solutions Tailored to You

Guidance, Not Just Rates: We simplify the process so you feel confident every step of the way. Plans Built Around You: Whether you’re buying your first home or refinancing, we design strategies to fit your life and goals. More Than Fast Closings: You deserve a mortgage experience that’s stress-free, empowering, and focused on your needs.

Start Pre-Approval

What Is Said About Us?

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What Do They Say About Us?

"Trusted by Thousands, Backed by Excellence"

With top ratings on Google, Zillow, Yelp, Facebook, LinkedIn and Redfin, we deliver a mortgage experience that’s personal, reliable, and proven to exceed expectations.

Adam O.

The Dalles, OR

"Lance went above and beyond, on what I've been told by most, was one of the worst first home purchases many have heard of. There is no way the transaction would've ended with me in my new home without him!"

Andrew G.

Seattle, WA

"Fast, responsive, great communication."

Stacey G.

Snohomish, WA

"Working with Lance is pleasure and I can truly trust that he’s done everything as promised and always delivers on time (usually even early). We are a repeat customers and have always received nothing short of exceptional customer service from Lance and his entire team. His attention to detail and true desire to provide an exception customer experience are evident in everything he does!"

Karl L.

Bothell, WA

"Working with Lance made a stressful experience of buying a home in this crazy market so much easier and significantly less stressful. He was always available to answer questions that we had. When a seller moved up an offer review date, he worked tirelessly to make sure we could have as competitive of an offer as possible before the deadline. Can not thank him enough for helping us land our current home."

Why Choose Us?

Unlike others, we focus on empowering YOU with knowledge, options, and strategies tailored to your unique situation.

What Makes Us Different:

Transparent - No Pressure Approach: Honest advice you can trust, with no gimmicks.
Exclusive Access to Top-Tier Loan Products: We offer programs designed for every type of homebuyer.
Fast, Seamless Experience: Close quickly without feeling rushed.

Start Pre-Approval

"Lance made the process easy breezy"

-Testimonial by Kara J.

Make today a great day.

Make it happen.

Make it count!

NEWSFLASH:

New Research Concludes Consumers Save $10,662 Working With a Mortgage Broker*

*read entire article click here

Investing in you!

Introducing Homebot!

Homebot is a digital platform designed to empower homeowners by providing personalized financial insights into their property's value and equity. Benefits include:

Personalized Market Analysis: Homebot provides tailored insights into various neighborhoods, helping buyers identify areas that align with their preferences and budget.
Affordability Tracking: The platform allows users to monitor how changes in interest rates affect their purchasing power over time, enabling informed financial decisions.
Lifestyle Matching: Homebot evaluates markets based on lifestyle indicators, assisting buyers in finding neighborhoods that best suit their desired living conditions.

Pillars

Advocacy

For over two decades, Lance Morgan has been the eyes and ears of his clients - providing them with transparent processes, procedures and explanations so that they can be confident where so much is at stake. He is always advocating for a better way , solutions and freedom in the marketplace. Receive guidance at every step!

ACCESS

As a Loan Originator, Lance has made sure his business is set-up for success with all the tools for the job! He has opened a branch with C2 Financial who is a top mortgage broker in the country giving him access extensive wholesale channel where the most competitive products and innovative technology is found. C2 Financial has an expansive wholesale list of lenders with many options to serve niche markets and maintain top-tier rates.

Expertise

Lance leverages his deep understanding, almost intuitive by nature, and technology to improve systems and reduce overhead. The knowledge and experience allows tremendous independence resulting in a business that can be built with a "clients for life" philosophy.

COMMUNICATION

Achieving a customer-centric business we act to all communication with a SPEED to RESPOND! It's surprising to me when I hear someone mention they reached out to another lender and a phone call is yet to be returned. Purchasing a home is the largest purchase a person will ever make so surround yourself with a team who will pick up the phone. Loans are unpredictable and when issues arise I am NOT the person to run and hide I take a stand and provide solutions. Accepting "NO" as an answer is not in my vocabulary. Pre-Approval process is quick and streamlined!

Transparency

Getting a mortgage isn't the easiest to understand and it's key for a lender to have a good understanding of the financial regulations. Acting in my client's best interest by providing transparency in fees, terms and timelines is critical to have a good smooth Real Estate transaction.

SPEED

Delivering an enhanced buying experience starts and ends with speed! Speed of being reliable, speed in communicating effectively, speed with pre-approvals and closings. Let's go!