Issaquah • Sammamish • Bellevue • Serving All of Washington
Troy Gamble, Your Eastside Mortgage Lender
I live in Issaquah and I've been writing home loans across the Eastside since 1999. More than 1,800 Washington families have gotten to the closing table with me. If you're comparing lenders anywhere from Issaquah Highlands to downtown Bellevue, call me before you fill out another online form. We'll go through your numbers together and you'll know exactly where you stand.
About 12 minutes. No cost or obligation.
NMLS #40183 · 28 Years Lending · 463 Five-Star Reviews
Troy Gamble - Branch Manager
Looking for a Mortgage Lender Near You on the Eastside?
I live in Issaquah and my office is in Bellevue, so nearly every client I work with is a short drive away. I lend throughout Issaquah, Sammamish, Bellevue, Newcastle, Renton, Kirkland, Redmond, Snoqualmie, North Bend, and Mercer Island. I know what appraisers are doing in Issaquah Highlands and Talus right now, and what the HOA review looks like on a Klahanie townhome. That's not something a call center in another state can tell you. Same phone number every time you call, and you're talking to the person who actually structures your loan.
Loan Programs I Offer on the Eastside and Across Washington
Conventional Loans
Most Eastside buyers land here. Three percent down is possible, the mortgage insurance comes off once you hit 20% equity, and the King County limit of $1,063,750 covers more houses than people expect.
Jumbo Loans
Above $1,063,750 you're in jumbo territory, which usually means more reserves and tighter debt-to-income limits. I have options under 20% down and asset-based qualifying for buyers whose net worth doesn't match their W-2.
FHA and VA Loans
VA is zero down with no mortgage insurance, and it's the best loan in the country if you've earned it. FHA opens the door at 580 credit and 3.5% down, which still works in Issaquah, Snoqualmie, and Renton price points.
Down Payment Assistance (WSHFC)
Washington State Housing Finance Commission money can cover your down payment entirely. There are income and price caps, and the paperwork is tedious enough that most lenders won't touch it. I've been doing these for years.
Bridge Loans and Buy Before You Sell
Buy the next house before you sell the current one. No payment for 180 days, down payments as low as 3%, and no contingency weakening your offer. This is the program I'm known for.
Refinance and Cash-Out
Worth running the numbers any time rates move half a point, or when you need to pull equity for a remodel, tuition, or paying off higher-rate debt. I'll tell you honestly when it isn't worth it.
Buy Your Next Home Before You Sell Your Current One
For most homeowners, the biggest obstacle to moving up isn't the new home. It's the fear of selling first. I've spent the last decade building a specific solution: a bridge loan program with no payment required for 180 days, down payments as low as 3%, and a post-sale strategy that permanently lowers your new payment. If you're stuck between wanting to move and not wanting to sell first, this is for you.
NO CALL CENTER
You Get Me. That's the Whole Pitch.
I answer my own phone. Not a team inbox, not a rotating loan coordinator, not somebody in a different time zone reading your file for the first time. If you text me at 7pm because the listing agent needs an updated pre-approval letter before morning, you get it that night.
That matters most when something goes sideways, and on about one file in five, something does. An underwriter wants a letter of explanation nobody warned you about. An appraisal comes in light. A condo HOA turns out to have an open lawsuit. I've been doing this in Washington since 1999, so I've usually seen the specific version of the problem you're having, and I can tell you in the first phone call whether it's a speed bump or a wall.
Ready to find out what you qualify for?
About 12 minutes. No cost or obligation. And I only run a soft pull at this stage.
What My Eastside Clients Say
"Troy Gamble and his team made buying our first home in Bellevue an incredible experience. His 28+ years of experience really showed when he helped us navigate a tricky self-employed income situation. Highly recommend his mortgage lending expertise!"
Sarah M.
Bellevue, WA
"If you need a mortgage lender in Kenmore, Troy is the person to call. He clearly explained all our loan options and helped us secure a great rate on our refinance. The entire process was smooth, transparent, and completely stress-free."
James & Emily R.
Kenmore, WA
"We were looking for a local mortgage expert in Woodinville to help us purchase an investment property. Troy provided a personalized strategy that perfectly aligned with our financial goals. His communication is top-notch. Five stars!"
Michael T.
Woodinville, WA
"As a first-time homebuyer, I was very intimidated by the mortgage process. Troy Gamble took the time to answer every question and guided me through the pre-approval step-by-step. I couldn't have asked for a better local lender."
Jessica L.
Bellevue, WA
"Troy is a true professional. He helped us with a VA loan and made sure we understood every detail before closing. His dedication to his clients and his deep knowledge of the Washington real estate market are unmatched."
David H.
Seattle, WA
"We bought our home in Issaquah Highlands and Troy made the whole process painless. He knew the neighborhood, the builder, and exactly how to structure our financing. When our rate lock was about to expire during a long build, he had a float-down option ready. Truly a local expert."
Rachel & Tom K.
Issaquah, WA
"Troy helped us move up from our starter home in Sammamish without having to sell first. His bridge loan program was a lifesaver and he explained every number in plain English. We never felt rushed and he always picked up the phone."
Amanda P.
Sammamish, WA
Frequently Asked Questions
Still have a question? Text me at (425) 230-3123 and I'll answer it myself.
Talk to an Eastside Mortgage Lender Today
No pressure, no credit pull to start the conversation, and no sales pitch. Call, text, or grab a time on my calendar and let's see what you're working with.
About 12 minutes. No cost or obligation.
Troy Gamble, Fairway Independent Mortgage Corporation
11400 SE 8th Street, Suite 360, Bellevue, WA 98004
(425) 230-3123 | NMLS #40183 | Company NMLS #2289
Equal Housing Opportunity