Specialties
Buying a home or refinancing should not leave you guessing about the numbers that matter most.
Seattle Wholesale Mortgage helps homebuyers and homeowners understand the complete financial picture—including monthly payment, cash to close, loan structure, potential risks and long-term cost—before making one of life’s largest financial decisions.
Know More. Save More.
We serve homebuyers, homeowners, investors and real estate professionals throughout the Seattle area, Snohomish County, King County and Pierce County, with mortgage lending available in Washington, Oregon, Arizona, Colorado and Florida.
As a wholesale mortgage lender and broker, Lance Morgan compares programs, pricing and underwriting options from many lenders, then builds a mortgage strategy around the client rather than forcing the client into one bank’s limited options.
Financing solutions include conventional, FHA, VA and jumbo loans; first-time homebuyer programs; bridge and Buy Before You Sell financing; HELOCs; investment-property and DSCR loans; and solutions for self-employed borrowers and complex income.
Realtor partners receive strong preapprovals, clear communication, thoughtful financing strategies and dependable execution through closing. Homeowners receive honest refinance analysis and ongoing mortgage monitoring—because closing the loan is not the end of the responsibility; it is the beginning of the relationship.
Seattle Wholesale Mortgage is a DBA of OC Home Loans Inc. NMLS #1842513.
History
Established in 2001.
Seattle Wholesale Mortgage was established in 2026 around a simple belief: consumers deserve education, transparency and a mortgage strategy they understand—not simply a rate quote.
The brand is new, but the experience behind it is not. Lance Morgan has worked in mortgage lending since 2001. His background includes traditional mortgage banking, branch leadership and wholesale mortgage brokerage. Each model provided valuable experience and helped shape a better approach.
Seattle Wholesale Mortgage was created to combine personalized advice, access to many wholesale lenders, flexible financing solutions and reliable execution with a long-term commitment to the client.
The standard is simple: explain the numbers, recommend what is genuinely in the client’s best interest, deliver what was promised and remain available long after closing.
Meet the Business Owner: Lance Morgan M.
Hi, I’m Lance Morgan. For more than 25 years, I’ve helped homebuyers and homeowners make informed mortgage decisions. My background spans mortgage banking, branch management and wholesale brokerage.
Today, I work as both a mortgage lender and broker. As a broker, I compare programs, pricing and underwriting from many wholesale lenders. As a lender, I can use a direct lending channel for greater control and execution.
I make the complex clear by comparing monthly payment, cash to close, mortgage insurance, flexibility and long-term cost—not simply the advertised rate. For purchases, I also consider the property, offer strategy and deadlines required for a dependable closing.
I work with first-time, move-up buyers, veterans, investors, homeowners refinancing and Realtors who need reliable financing. I serve the greater Seattle area and across Washington, Oregon, Arizona, Colorado and Florida.
My goal is to earn your trust and remain your mortgage advisor long after closing.