Motto Mortgage Partners

Your Dream. Our Expertise.

We work for you, not a bank.

That means more transparency, more options and less jargon. Service is our #1 goal and we will strive to serve you with stellar customer service from start to finish.

From first time buyers to downsizers, jumbo loan-seekers to those without a down payment saved, the Motto Mortgage network has access to a wide variety of mortgage products. Each network expert can search home loan options to fit your unique financial situation and home ownership aspirations. Visit our full website here.


Can I defer my mortgage payment under the CARES ACT?

What you need to know about the CARES Act, mortgage loan forbearance and more. Your first step is determining whether your loan is a “federally backed mortgage loan.” This guide clarifies who to contact to request forbearance (mortgage deferral) and outlines all the major players involved in your home loan.


Why Motto Mortgage Partners?

Because Motto Mortgage loan experts are the full package.


Competitive rates

Unlike banks and mortgage lenders, mortgage brokers can source a wide variety of loan options. This creates a competitive situation where lenders battle it out for broker business – and only the most appealing loan options survive.


Your home loan personal shopper

Because Motto Mortgage Partners is a mortgage brokerage, your loan originator can shop hundreds of those competitive home loan products to find the ones that most suit your needs. They’ll be like your very own mortgage personal shopper.


Leading-edge technology for a streamlined application process

Motto Mortgage Partners loan originators use one of the best loan application systems in the business so you can apply for your mortgage loan from the comfort of your own home. Don’t want to change out of those cozy PJs? No one will ever know.

The mortgage process,

crafted just for you. 



Find your local loan originator for a mortgage expert who understands your community. Stop by in person or communicate digitally for an experience tailored to you.

Find Loan Originator


Once your Motto Mortgage Partners loan originator has some basic information, they’ll shop a variety of loan programs to find the ones that may fit your needs. It’s like your own mortgage personal-shopper.



Motto Mortgage Partners loan originators use their expertise to find the right loan options for you because when you get to choose, you have the power. Your loan originator does all the shopping. You just do the choosing.

Application Checklist

There are several documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the information requested as soon as possible. It will help speed up the application process.

View Checklist

Your Mortgage Experts


Keven Martinez

Senior Loan Officer/Designated Broker NMLS# 487492 Phone: (509) 444-2823

Apply Now

Teagan Brown

Mortgage Loan Originator NMLS# 1958526 Phone: (509) 720-4951

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Karen Hoadley

Mortgage Loan Officer NMLS# 1140092 Phone: (509) 329-2718

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Low Interest Rates with Motto Mortgage

Loan Process

Mortgage Calculators

Loan Programs

Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.

Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

Graduated Payment Mortgages
Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

What kind of loan program is best for you?
Should you get a fixed-rate or adjustable rate mortgage? A conventional loan or a government loan? Deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer.


For More Mortgage Basics Click Here

Motto Mortgage Blog


Contact Us to Learn More.

Motto Mortgage is a different kind of mortgage business – created to disrupt and innovate the industry.
Interested in joining? Email for more information.

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