I start by understanding how things really work—then I improve them with intention. That’s my approach to lending and to life, shaped by a self-taught journey from a 120-acre cherry orchard in The Dalles, Oregon, where I learned to observe patterns for a good harvest alongside my family. I break complexity into clear options, explain trade-offs in plain English, and execute cleanly, as I did closing a loan in 48 hours by leveraging connections after a client’s deal failed. For 14 years as an in-house lender, I was the first in and last out, known as the go-to solver in firestorm scenarios, delivering good news fast and bad news faster—straightforward and done. I’m particular about details, open to change, and relentless about efficiency, turning challenges into focus. My family calls me the guy who can figure it out, taking charge to get it done—alone or with help—evidenced by reviving my parents’ dream. After my dad passed, their amazing shop with a honey pouring room sat unfinished, filled with belongings for years, until I cleared it out, and by fall 2025, we’ll open that honey pouring room, honoring their legacy.
If we work together, you get an all-in, discreet partner who communicates early, documents next steps, and owns outcomes. People describe their experience as “smooth,” “easy,” and “above and beyond”—a reflection of my promise: understand first, improve with intent, and deliver without the drama. To celebrate each closing, I’ll offer a jar of honey from our new facility in The Dalles, Oregon, where my mom, the "Honey Lady" with over 50 years of selling honey, continues her craft. As the oldest of four boys, I’ve carried an inherent drive to lead by example and leave a positive mark, deepened by being the first in my family to earn two college degrees: Horticulture, where I mastered patience and systems, and Business Administration with an emphasis in computer science and sales, equipping me to navigate complex challenges. I’ve also built my own website and remodeled my home—lighting, hardwood floors, millwork, insulation, plumbing, and landscaping—with a “can-do attitude,” preferring to tackle problems myself to learn and grow. That dedication, witnessed on the farm, fuels me still, buying freedom for hikes with my wife Danielle and our dog Piper in the Pacific Northwest, where I cherish moments like visiting my brother in Bend, Oregon.
My vision is to make a meaningful, lasting impact on every person I serve. Let’s connect today to craft a mortgage strategy uniquely designed for you, blending strategic thinking, transparency, and a personal touch honed over 24 years serving Washington and Oregon.
Seattle's Mortgage Guy - Lance Morgan
"Your Home, Your Loan, Our Commitment"
Contact Info
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Call: 425.478.6412
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Loan Products
Rate Reduction Refinance
Fast Conventional Purchase
Low Down Payment Loans
Easy Access Refinance
Jumbo Loans
VA Loans
FHA Loans
USDA Loans
Commercial Loans
Reverse Mortgage
A Brokerage of:
C2 Financial Corporation
MB#01821025 NMLS#135622
12230 El Camino Real, Suite 100
San Diego, CA 92130
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