Thank you for taking the time to connect and discover what makes working with Lance Morgan truly exceptional in the mortgage financing world.

With over 24 years as a licensed mortgage broker serving Washington and Oregon 🌲, I've built my career around one core belief: smarter mortgage decisions start with strategic thinking, transparency, and a personal touch. As a Mortgage Broker, my mission goes beyond securing loans—it's about empowering homebuyers, investors, and realtors with clear, data-driven strategies 📈 tailored uniquely to each financial journey.

I built my reputation on hard work 💪 and being the dependable person people could count on—if I didn’t know the answers, I’d always find out. Referral partners, clients, and colleagues quickly saw me as a reliable resource, naturally evolving into a deep understanding and passion for the mortgage industry. Over the years, I realized the key to lasting success wasn't just bringing new business through the door but serving the clients I already earned. This realization led me to move into wholesale lending in 2023, seeking out the most cost-effective solutions 💰 for home loans, benefiting both myself and my clients.

My approach is refreshingly different: by leveraging wholesale lending channels, I offer highly competitive rates, innovative financial solutions, and unmatched clarity 🔍 at every step. Transparency and clear communication 💬 are priorities, ensuring clients feel confident and empowered throughout the mortgage process. My promise is straightforward: exceed expectations, anticipate challenges, meet deadlines ahead of schedule, and deliver an experience that truly impresses 🌟. I love being super accurate and thorough—unlike the average loan officer, I take the time to review all documents carefully 📑 and package loans perfectly for underwriting. This meticulous attention gives my clients the opportunity to close their home loans in as little as 10-14 days. While not every loan is the same, clients who quickly provide documents and comfortably use electronic document delivery will receive an express closing treatment 🚀.

The evolving real estate market in 2024 and 2025 presented significant challenges, with higher interest rates 📉, elevated home prices 🏠, and reduced transaction volume. In this environment, I recognized that simply supporting realtor partners was not enough—I needed to educate 🎓 and set clear expectations with buyers directly. Many buyers seek affordability and deals yet struggle in competitive markets. By proactively coaching my clients on market dynamics and strategic offer approaches, I significantly increased their chances of success 🎯. Unlike the average realtor who submits offers with minimal planning, I actively engage in detailed conversations, strategically positioning offers to win. By leveraging interpersonal skills, detailed market knowledge, and proactive communication 📞, I directly engage listing agents to set favorable terms for my buyers. In 2025 alone, this hands-on approach saved my clients collectively over $77,000 through strategic negotiation and clear communication.

Over 95% of my business comes directly from referrals 🤝—evidence of the trust, reliability, and consistent results I deliver. Whether you’re a first-time homebuyer navigating new terrain, a seasoned investor seeking optimized strategies, or a realtor looking for a dependable mortgage partner, my goal is to become your lifelong advocate, advisor, and trusted ally in home financing.

Beyond initial transactions, I remain committed to existing clients. Through advanced AI technology 🤖, I monitor refinance opportunities, proactively assist with annual reviews, discuss options like removing mortgage insurance, and strategize about vacation homes or investment properties. My wife Danielle and I began investing in real estate in 2017 🏘️, exploring wealth-building through property ownership. These direct experiences allow me to share practical insights, helping clients learn from both my successes and challenges.

My clients highlight my responsive nature, strategic insight, unwavering patience, and passion for educating others 📚, frequently noting my leadership and dedication to service. My expertise spans FHA, VA, Jumbo, DSCR, HELOC, refinances, investment properties, and complex lending scenarios 🧠—ensuring personalized, expert guidance tailored specifically to each client’s goals.

My relentless work ethic has strong family roots 🌳. Growing up on our family's 120-acre cherry orchard in The Dalles, Oregon 🍒, I learned firsthand the values of diligence, perseverance, and resilience. Every dollar I earned came from my own hard work, instilling a deep understanding of core values. Without direct mentorship, I developed self-sufficiency by observing, asking questions, and figuring things out independently—a skill that serves me exceptionally well today. Inspired by my father’s 50-year legacy in beekeeping 🐝, my mom, brothers, and I continue his tradition each spring by brokering honey bees across Oregon, supporting vital cherry orchard pollination efforts. Each year, with the help of my brothers, we dedicate about 20 days to assisting my mom with our honey bee brokerage business. I like to call it "Mortgage Broker by day, Bee Broker by night 🌙," as the honey bee moving happens when bees return to their hives. We facilitate approximately 11 semi-trucks 🚛 of bees annually to pollinate cherry crops, ensuring everyone can enjoy cherries each summer.

Fun Fact 🤠: During my college years, I initially started riding bulls 🐂, quickly realizing it wasn't my strongest talent. I discovered wrangler bullfighting and immediately fell in love with the thrill. My role involved protecting cowboys using myself as a human shield 🛡️ and mastering the art of distraction. Passionate about this pursuit, I attended a professional wrangler bullfighting school in Colorado, dedicating about two years to this exciting and formative experience.

Today, I enjoy life in Lake Stevens with my incredible and beautiful bride, Danielle 💖, and our playful puppy, Piper 🐶. Together, we embrace the beauty of the Pacific Northwest through hiking 🥾, traveling ✈️, exploring local fishing spots 🎣, and visiting family—especially cherished visits to see my brother and his family in Bend, Oregon. I have always treasured these moments, particularly enjoying when my brother gets behind the counter at his Baskin Robbins 🍦 store and scoops me a cone. My favorites are Pineapple Vanilla 🍍🍨 (a little less sugar) and Cherry Jubilee 🍒🍦.

At the core of everything I do lies a simple yet powerful vision: to make a meaningful, lasting impact on every person I serve 🌟. Let's connect today and start crafting a smarter mortgage strategy uniquely designed just for you.

"Smarter Home Financing for the Human Searching for Answers."