Why Seattle & Kirkland Homebuyers Are Switching to Dual-Licensed Professionals
The Smarter Way to Buy, Finance, and Win in Washington State
Buying a home in Seattle, Kirkland, and the Eastside requires tight coordination between real estate strategy and financing execution. That's why more Seattle-area homebuyers—especially relocation buyers, veterans using VA loans, and self-employed buyers seeking Non-QM financing—are working with dual-licensed professionals who handle both sides of the transaction.
Why the Traditional Model Fails in Seattle's Market
Most buyers still rely on a fragmented structure: one real estate agent, one loan officer, and separate processing and underwriting teams. In competitive Seattle and Kirkland markets—where escalation clauses, appraisal gaps, and compressed timelines are common—this separation leads to slower decision-making, financing surprises after offer acceptance, weak confidence signals to listing agents, and missed opportunities in multiple-offer scenarios.
Slower Decision-Making
Multiple parties operating in silos means delays when quick action is critical.
Financing Surprises
Loan conditions discovered after offer acceptance can derail deals.
Weak Seller Confidence
Sellers question the strength of offers without clear financing coordination.
Missed Opportunities
In multiple-offer situations, speed and certainty determine winners.
The Dual-Licensed Advantage for Seattle & Kirkland Buyers
Financing Is Built Into the Offer (Not Bolted On Later)
As both agent and lender, David structures offers that align with real underwriting outcomes, not assumptions. This allows buyers to choose the strongest loan program before submitting an offer, reduce appraisal and condition risk, and present cleaner, more compelling offers to sellers.
- Choose strongest loan program before offer
- Reduce appraisal and condition risk
- Present cleaner, compelling offers
Faster Closings Win Homes
In Seattle and Eastside transactions, certainty often beats price. Dual-licensed buyers benefit from faster pre-approvals, real-time agent–lender coordination, fewer last-minute loan changes, and stronger listing-agent confidence.
- Faster pre-approvals
- Real-time coordination
- Fewer last-minute changes
- Stronger seller confidence
More Loan Options Than Banks or Credit Unions
As a wholesale mortgage loan officer, David is not restricted to a single lender. He specializes in:
- •Conventional loans (high-balance, jumbo)
- •FHA loans (flexible credit options)
- •VA loans (zero down)
- •USDA loans (eligible areas)
- •Non-QM financing (bank statement, DSCR, self-employed)
Transparency, Compliance, and Fiduciary Duty
Dual-licensed professionals operate under Washington State real estate fiduciary law and federal mortgage lending regulations. This ensures:
- Clear disclosures
- Ethical separation of roles
- Buyer-first guidance
- Long-term trust over pressure
Why Relocation Buyers Choose This Model
Relocation buyers face unique challenges: limited local market knowledge, tight timelines, non-traditional income structures, and remote decision-making. David Kowal regularly works with relocation homebuyers and accepts referral partnerships, acting as a single, accountable point of contact who explains Seattle and Kirkland neighborhood dynamics, aligns financing with job transitions, and reduces friction between offer, loan, and closing.
Local Market Expertise
Deep knowledge of Seattle, Kirkland, and Eastside neighborhoods, schools, and communities.
Financing Alignment
Coordinates financing with job transitions and relocation timelines for seamless integration.
Single Point of Contact
One trusted expert managing all aspects—from pre-approval to keys—before you arrive in state.
Comprehensive Services
Buyer's Agent
Represent your interests from start to finish with real-time coordination between real estate and financing.
- ✓Real-time coordination
- ✓Stronger offers
- ✓Faster closings
- ✓Neighborhood expertise
Mortgage Calculator
Get an instant estimate of your monthly mortgage payment. Adjust the inputs below to see how different factors affect your payment.
Washington State average: ~0.85%
Monthly Payment
$3,032
Loan Summary
Disclaimer: This calculator provides estimates for educational purposes only. Actual payments may vary based on credit score, loan type, property location, and other factors. Contact David Kowal for a personalized pre-approval and accurate quote.
Who This Is Ideal For
First-Time Buyers
Seeking guidance and financing expertise
Relocation Buyers
Moving into Washington State
Veterans
Using VA loans with expert execution
Self-Employed Professionals
With non-traditional income
Investors
Seeking DSCR or investment property financing
Referral Partners
Agents and relocation companies
Why Seattle & Kirkland Homebuyers Trust David Kowal
With expertise spanning real estate negotiation, Washington State Housing Finance Commission Down Payment Assistance instructor, market analysis, and mortgage financing, David brings a unified strategy to every transaction. His dual-licensed approach eliminates the coordination gaps that plague traditional transactions.
He's committed to transparency, regulatory compliance, and putting your interests first—not rushing deals or forcing financing that doesn't fit your situation.
Credentials
- • Washington State REALTOR® (LIC#25013961)
- • Wholesale Mortgage Loan Officer (NMLS# 1712304)
- • NEXA Lending Mortgage Loan Officer (NMLS# 1660690)
- • Western Washington University - BA Business and Management Information Systems
- • WSHFC Class State Bond Instructor
- • Eagle Scout
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Get In Touch
Phone
(425) 777-1509
Location
Seattle, Kirkland, Eastside