Home lending tailored to your individual needs

There are those who work for a bank or mortgage banker with who will sell you a mortgage only from their company’s products. Here at PNW Lending Solutions, we consider each individual or family and their specific needs, offering home financing options and products from a wide range of nationwide companies. We listen and pride ourselves on giving our best to help each client achieve their goals. We work for you!
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Amy O'Brien

Amy O'Brien

MLO# 85346

Amy is a Pacific Northwest native with over 35 years of experience in the mortgage industry across the greater Seattle and Eastside areas. Over those many years, she has helped thousands of individuals and families with home purchases and refinances, as well as with custom construction loans for remodels and complete new home builds.  She enjoys working with her wonderful, loyal clients and assisting friends and family who they refer. In her leisure time, she enjoys travel and exploration, gatherings with good friends and family and continued learning about life/health/interesting people. Amy is also passionate about teaching people how to live a clean and green lifestyle, through nutritional counseling and exhibiting healthy life choices.
Kirsten Smith

Kirsten Smith

MLO# 150057

Kirsten is a seasoned mortgage professional with over 25 years of experience helping clients across the Pacific Northwest achieve their homeownership goals. Throughout her career, she has guided individuals and families through purchases, refinances, and investment opportunities with a focus on clear communication and long-term relationships. Known for her dedication and practical approach, Kirsten takes pride in making each transaction smooth and stress-free for her clients and referral partners alike.

Outside of work, she enjoys spending time with friends and family, exploring the outdoors, and finding new ways to balance professional success with personal well-being. Her deep knowledge of lending and genuine care for the people she serves have made her a trusted partner in her community and a valued colleague within the mortgage industry.

We’ve worked with Amy on a number of transactions (purchases and refinances) dating back to 2003, and frankly, her industry knowledge, attention to detail, and responsiveness is second to none. I’m the type of person who likes to understand all the details, and sensing this, Amy proactively provides answers to questions before I even think to ask them. During my time working with Amy, I’ve worked with two real estate agents, and both commented to me just how amazing Amy is to work with. As long as Amy is in this industry, I wouldn’t even consider partnering with anyone else. I have, and will continue to, point everyone I know to Amy for their mortgage services.

Todd & Cindi H.Lake Stevens, WA

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There is Money to be $aved by paying more to principal!

There is Money to be $aved by paying more to principal!

Paying down a thirty-year loan can seem a bit daunting. It is really the interest that we all want to reduce as much as possible. Have you ever wondered how much of a dent you can make by paying a little more every month? Let’s take a look. By paying an additional $25...

What were the historical low and high rates?

What were the historical low and high rates?

The lowest mortgage interest rate was in late 2012, average interest rates for a 30-year fixed-rate mortgage hit 3.31%. Rates for 15-year loans sank below 3%. (Clearly, our recent rates are still quite low, historically speaking.) The highest mortgage interest rate...