WA
Washington
Kitsap County, Puget Sound and statewide.
Loans in Washington
Independent mortgage broker · Serving Washington, Idaho and Oregon
Clear answers. Transparent options.
A mortgage that fits your life.
Frank Ellerbroek is an independent mortgage broker with 28+ years in lending. “I work with you to compare options from 35+ wholesale lenders competing for your loan.”
Frank Ellerbroek
Mortgage Broker · NMLS #128726
Vantage Mortgage Brokers · NMLS #35986
frank@vantagemortgagegroup.comBright modern living room with a white sectional, tall black-framed windows and a fireplace wall
Why Frank
One experienced broker. Every option on the table.
Banks, mortgage bankers, and credit unions offer their own loans. A mortgage broker shops the market. Frank works for you, shows you what the lenders are offering, and explains the trade-offs in plain English.
With 28-plus years of experience, Frank considers the whole financial picture, including payment comfort, cash flow, upfront costs, and longer-term goals, with proactive communication through closing and beyond.
- Transparency
- Choice
- Competition
- Education
- Personal guidance
- years in wholesale and retail lending
- 28+
- wholesale lenders competing for your loan
- 35+
- states licensed: Washington, Idaho, Oregon
- 3
Transparency, in practice
Live mortgage rates. No email or phone number required.
Enter your loan scenario and explore live rates upfront. At Vantage Mortgage Brokers, transparency starts with giving you access to information so you can understand your options and decide when you’d like personal guidance.
See live ratesEnter a scenario, see real pricing, no form to fill out first.
Real pricing, upfront
Rates, points and lender credits for the scenario you enter.
No contact details first
No email, no phone number, and no waiting for a call back.
Guidance when you want it
Call or start a quote when you are ready to go deeper.
Why an independent broker
Banks, mortgage bankers, and credit unions offer their own loans. A mortgage broker shops the market.
Any of them can get you a mortgage. The difference is how many options you see before you decide, and whether someone shows you the numbers.
Who prices your loan
One lender
Its own loans, its own guidelines, one price
1optionFrank’s lender network
Frank35+ wholesale lenders competing for your loan
+30 moreI work with you to compare options from 35+ wholesale lenders competing for your loan. Lenders vary by scenario.
Your options, side by side
OptionOption AOption BFits your goalsOption CRateHigherMiddleLowestPointsNoneSomeMoreLender creditLargestSomeNoneCash to closeLowestMiddleHighestCost over 5 yearsMiddleLowestHigherFrank’s note: Option B costs the least over the five years you plan to keep the home. Option A if you need the lowest cash to close.Sample layout only. These are not actual rates or offers.
Status Updates from Frank
- Application receivedMon 9:12 AM
- Disclosures sentMon 2:40 PM
- Appraisal orderedWed 10:05 AM
- Approval
- Clear to close
- Funded
Text from Frank
Status Update: your appraisal is ordered and scheduled for Friday. Next step is underwriting approval. Nothing needed from you right now.Wed 10:05 AM
Who prices your loan
One lender
Its own loans, its own guidelines, one price
1optionFrank’s lender network
Frank35+ wholesale lenders competing for your loan
+30 moreI work with you to compare options from 35+ wholesale lenders competing for your loan. Lenders vary by scenario.
How it works
Three steps, no surprises.
Step 1: Establish your homebuying or refinance goals
Start with the One-Minute Quote: what you are buying or refinancing, where, and your timeline. No credit pull to get started. Frank calls you back to talk it through.
Start the One-Minute QuoteStep 2: Compare real options based on your financial goals
Frank compares options from 35+ wholesale lenders competing for your loan, then reviews the choices, payments, upfront costs and longer-term impact against your goals, in writing.
Watch Frank review a comparisonStep 3: Close with communication at every step
You get a Status Update at every milestone: application received, disclosures, appraisal, approval, clear to close, and funded.
- Application received
- Disclosures
- Appraisal
- Approval
- Clear to close
- Funded
Step 1 · One-Minute Quote
Tell Frank your goals.
A few quick questions about buying or refinancing. Frank reviews every request personally and follows up with real options from his lender network.
- No credit pull to get started
- About one minute
- A real broker reviews every request
About two minutes · No credit pull · No obligation
5.0 · 31+ Google reviewsSee how Frank compares real options
Watch him walk through a loan comparison, cost analysis and closing costs, line by line.
When a lender says no
A no isn’t the end.
Lenders have different guidelines. If one isn’t a fit for your income, property or credit profile, Frank can often move your file to another lender without starting over. That is the quiet advantage of a broker with 35+ wholesale lenders competing for your loan.
When a lender says no
FYour loan file
Lender 1 · guideline mismatch
Lender 2 · fits your scenario
Lender 3 · backup optionreadyFree download
The Homebuyers Guide
Over 30 pages covering what you need to know to buy a home with confidence. Read it on your phone, share it with a co-borrower, and bring your questions to Frank.
- What a mortgage is and how origination works
- Loan types, pre-approval and your credit score
- Income, assets and setting a budget
- Mortgage do's and don'ts
- Offers, rates, locking and disclosures
- Inspection, appraisal, insurance and closing
Download the free Homebuyers Guide (opens in a new tab)PDF, opens in a new tab
Client reviews
What clients say about working with Frank.
5.0 average across 16 client testimonials published on Frank’s Vantage reviews page, plus 31+ five-star reviews on Google and 6 on Yelp.
“Frank and his team were responsive, professional yet friendly, and quite knowledgeable. Frank gave us options for our mortgage that we didn't know we had. Our loan process was so easy with Frank and his team!”
Mary P. “We have worked with Frank for years. We continue to work with Frank and his team of specialists because they are thorough, efficient and professional.”
Joni L. “Frank and his team were fabulous to work with. I recently worked with him on a transaction and he represented my buyers as their lender. He was always available for questions and kept us up to date every step of the way. His professionalism and attentiveness made the transaction seamless. Thank you Frank for all of your hard work!”
Emily D. “Frank was very informative and friendly. He had the answers to all of our questions, this was especially great because we had just switched from a Lender that wouldn’t give us the time of day. Frank & Team was AWESOME!”
Aaron T. “Frank and his team were responsive, professional, honest, and ... patient. I am not the easiest customer, being detailed oriented and motivated to fully understand every product I invest in. No frustration or irritation was ever detected from them despite the ups and downs of our home search and my incessant questioning.”
Zac G. “Happy to have worked with Frank again! Him and his team are awesome! I would (and do) reccomend him to everyone 🙂”
Crystal B. “Frank and his team were truly remarkable. They are the perfect blend of personal and professional. They work tirelessly to get the job done well, AND as fast as possible. I recommend Frank and his team HIGHLY!”
Karen F. “Frank and the team he works with in short was AWEOME!! Frank was straight forward and the whole process of refinancing was pleasant. I have in the past and will continue recommending a professional who’s integrity is above par. Frank thank you and your team.”
Colin M. “Great and honest experience! We appreciate everything!”
Meghan F. “We appreciated the honest and friendly relationship Frank and his team took the time to establish. He keeps you promptly updated every step of the way. We were always in the know about where our process was, when paperwork was due and when it was received. We were first time buyers, and our family was so surprised at how fast we closed. If your referral tells you to go to him, do yourself a favor and go to him!”
djeffords13 “Frank always keep us in the loop with everything - every step of the way. If I called him, he returned my call in a timely manner. We have had Frank as our Person a few times and have always been happy with him AND will always go back to him.”
Bonnie & Dave from Bremerton “Frank and his team are unlike any financial team we have ever worked with. First of all they take time to establish a RELATIONSHIP with their clients. They are fast and efficient. They work tirelessly to get the job done as fast as possible. They are the perfect blend of personal and professional. They do a great job of clearly communicating throughout the process. We can't recommend them highly enough!”
Karen & Eric Foster “Frank is top notch and second really isn't close! The process was straigh forward and easy. I had a medical emergency right in the middle of the process and everything went smoothly right when I needed it too. Frank came through for me and he will for you as if your his top client! Thanks for all your hard work! Eric”
Eric S.
Where Frank lends
Licensed in three states. One set of programs.
Licensed in Washington, Oregon, and Idaho, helping homebuyers and homeowners explore financing for a wide range of loan programs and scenarios. Start with your state, or go straight to the loan programs page.
Optional weekly email
Get the weekly Rate Tracker
Once a week, Frank sends a short email on what is moving the mortgage market, plus current rates and financing opportunities. No fluff, easy to unsubscribe.
Send me the Weekly Rate Tracker for mortgage rate updates, market insights, and financing opportunities.
Sample
Frank Ellerbroek
Weekly Rate Tracker: what moved the market this week
This week in the market
Rate snapshot
- 30-year fixed
- 15-year fixed
- FHA 30-year
- VA 30-year
Financing opportunity
Frank Ellerbroek
Mortgage Broker · NMLS #128726
Vantage Mortgage Brokers · NMLS #35986
Meet Frank
A broker who works for you.
Frank Ellerbroek has spent 28+ years in wholesale and retail lending, and today he works as an independent mortgage broker with Vantage Mortgage Brokers. He treats the job as a fiduciary role: your interests come first, and his advice has to hold up when you look at the numbers.
Mortgage lending is famous for silence between application and closing. Frank runs it differently, sending detailed Status Updates at every milestone so you always know where your loan stands and what comes next.
Ready when you are.
Apply securely in about 15 minutes, start with a quote, or call Frank with a question about purchase, refinance or VA loans. Clear answers, no pressure.