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    Jeff Baxter - Guild Mortgage Bothell

    5.0 (2 reviews)
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    North Pacific Mortgage - North Pacific Mortgage A Division of American Pacific Mortgage Corporation NMLS #1850

    North Pacific Mortgage

    (1 review)

    It doesn't get any better than this…read more My husband and I just purchased our first home. Although we consider ourselves pretty savvy about most things, we were complete novices when it came to home buying. We started our search by getting pre-approved with our bank, and we also shopped around for a lender online. As we started to dive into our home search, we learned that in a competitive market like Seattle, who you choose to do business with can be the "make or break" element of your offer. Often, buyers' funding would fall through in spite of a pre-approval from a bank, so we asked our realtor for his advice. Thankfully, he introduced us to amazing team at North Pacific Mortgage who he personally uses when he is buying a home. In the spirit of being a novice at the whole home buying thing, I called Phil and asked when we could meet for an hour or so over lunch. Not only was Phil quick to accept my offer, he went out of his way to accommodate my incredibly busy schedule - even braving hospital food to meet me during my lunch break at UW Medicine. Meeting your mortgage officer face-to-face is an unusual event. Meeting one that will drive across town in Seattle traffic just to enjoy a saltless bowl of soup while suffering through metal chairs on a chilly outdoor balcony is a true unicorn event. Phil was knowledgable, personable, funny and patient. Perhaps most important of all, he was an excellent teacher. He walked me through all the elements we would be considering when it came to closing costs, down payment size, PMI, interest rates, taxes - everything. He also got to know more about US. The buyers. I left our meeting feeling so well informed, but more than that, I left it knowing that I had an advocate in my corner who would fight to get me the deal that best fit my needs. After meeting with Phil, and especially once we started the marathon search that would result in seven offers over five months with one dream house at the finale, we had the pleasure to work with many people on Phil's team, but none so closely as Denae. Denae responded to emails, texts and calls far outside the hours anyone could reasonably expect her to, allowing us to make informed offers in a pinch that included an in-depth breakdown of monthly payments for the specific property (including its unique set of taxes etc). She was organized, prompt, kind and always positive. Once we finally got an offer accepted, the real work began. Phil, Denae and team kept us on track and ahead of schedule. Documents were processed quickly, and we always had an open line if we had questions. Ultimately, we closed a full week early, and by all accounts, it was as smooth and painless as a home buying process could possibly be. As a final cherry on top, Phil and Denae delivered an incredibly personal and generous house warming gift to say thank you. It spoke to their individual care and attention to us as clients, and it made us lifetime fans and loyal customers. Prior to buying a home, I had no idea whether or not it mattered who we went through for our mortgage. Now that we are on the other side, I can tell you unequivocally, it matters a great deal. We move into our new home in just about a week, and while I hope not to move again for a very long time, when that time comes, Phil and Denae will be one of our very first calls!

    From the owner: North Pacific Mortgage A Division of American Pacific Mortgage Corporation NMLS #1850…read more Founded in 2013, North Pacific Mortgage is a full-service mortgage banker in the Seattle area. We established North Pacific Mortgage with one simple goal in mind - to provide local families with the opportunity to purchase a home by helping them secure a loan to meet their individual needs at a competitive rate. At North Pacific Mortgage, we are passionately committed to serving our clients by delivering honesty, integrity and excellence in all facets of our business. We strive to go above and beyond the call of duty to take care of each and every client, addressing their unique needs and concerns. Licensed in WA, CA NMLS# 1111294 Equal Housing Opportunity

    Howard Murray - Howard Murray, Realtor

    Howard Murray

    (3 reviews)

    We purchased our first home with Howard and he was absolutely fantastic and wonderful to work…read morewith!! Being first time home buyers - we were very nervous and didn't know quite what to expect; but Howard was very patient; calming and explained everything in detail!! He showed us many different homes and didn't pressure us or feel like we were wasting his time (with my indecisiveness) he made us feel very, very comfortable!! He gave us many great tips and helpful information that we would not have known. Since the purchase we have recommended him to many of our friends- looking to buy or sell! He's amazing and will not let you down!! Works fast; friendly and very professional but cool at the same time! Thank you Howard!!

    As I entered retirement my wife and I decided to sell our second home in Kent and retire out of…read morestate. The home needed a lot of updating and repairs to bring it up to a marketable condition. At first I thought that I could do minimal repairs and updates and sell it myself. I soon realized that accomplishing this task while my resources were out of state proved to be unwise. Next I considered selling it as is. At this point a knowledgeable agent who I could trust was in order. I have known a number of agents over the years. I ultimately chose Howard due to his extensive experience and knowledge in real estate. Having known something of his past dealings before he became an agent I felt that he would be the best to answer important questions that I had about the current market, a marketing plan, and our expected return. He answered all of my questions satisfactorily and ultimately we hired him as our agent. Howard clearly understood what the end goals were for preparing our home for listing. At times the project seemed to be overwhelming but with Howard's guidance and calming demeanor he was able to guide us through the project from beginning to end. If you are considering buying or selling we highly recommend Howard as he truly knows the business and understands the market. He is a skilled negotiator and gets the job done with a "win-win" agreement! I would like to add that in the early 1980s I was a licensed real estate agent for a few years and so I have a basis to make a comparative analysis of Howard's skill, knowledge, and performance. Dave C.

    Jeff Baxter - Guild Mortgage Bothell - mortgagebrokers - Updated May 2026

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