Welcome to the
Wholesale Advantage
Why Wholesale Matters
—Save Thousands!
Rates are elevated and prices aren’t slowing. That’s why I moved from retail to wholesale—so you see transparent, competitive pricing without padded margins. 🚀
✅ No inflated rates
✅ No unnecessary markups
✅ Transparent, real-time pricing designed for your advantage
Here’s how we’re solving the challenge for our clients
✔️ Compare lower wholesale rates — No credit check required
(When you choose to apply, we’ll do a soft pull where available; a hard pull may be required to lock and close.)
✔️ See real numbers upfront— No games, no surprises.
✔️ Leverage smart financing strategies —— permanent rate buydowns and structured offers that maximize savings.
Flat-Fee Financing for Qualified Listings?
Lower-rate options unlocked by lean branch pricing and daily wholesale shopping—paired with seller-funded credits on participating homes (full-price offers only).
How it works
Lean branch pricing by design: Our compensation structure is set at the branch level and kept consistent—so we can publish sharper rate/fee options without games.
Wholesale rate hunt. We price your scenario across multiple wholesale lenders to find the best fit (par or points).
Pre-agreed seller credits. Participating listings agree to accept full-price offers and provide seller-paid credits that can be applied to discount points and allowable closing costs—within IPC limits* (program rules apply).
Who & What Qualifies
Owner-occupied purchases (Conventional, Jumbo, FHA & VA financing types)
Listings that:
Pre-agree to seller credits with a full-price offer (within program rules), and
Pre-agreed seller credits: Participating listings pre-agree to accept full-price offers and provide seller-paid credits that can be applied to discount points, and allowable closing costs—within ITPC limits*.
*IPC = Interested-Party Contributions is determined by your down payment, loan program and occupancy type. For example conventional 5% down is limited to 3% (of purchase price) IPC, OO (Owner Occupied), FHA 3.5% down is limited to 6% IPC, OO. etc. See program restrictions based on these parameters. Change down payment or occupancy type IPC changes for either higher or lower.
🔥 As a loan officer, my reputation is everything. 🔥
That’s why I approach things differently than most. 🚀
✅ Continuous self-improvement– Always learning, always evolving.
✅ Deep understanding– Because details matter. 🎯
✅ Excellence in my work– Not optional. It’s the standard. 🏆
When you work with me, you get more than a loan—you get strategy, speed, and a partner who treats your success like their own.💪🏡
It’s important to have a trusted go-to real estate team, and my mission is to be a key part of that for you—today, tomorrow, and for life. 🔑🏡
ATTENTION: Home Buyers & HomeOWNERs
More Than Just a Loan - Your Partner in Homeownership
⚡ Speed. Transparency. Strategy.
That’s how we turn homebuyers into winners.
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
Seattle's Mortgage Guy - Lance Morgan
"Your Home, Your Loan, Our Commitment"
Contact Info
Have questions, comments, or concerns?
We're here to help!
Call: 425.478.6412
Email: [email protected]
www.seattlewholesalemortgage.com
(Online Contact Card)
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