# Frank Ellerbroek, Independent Mortgage Broker

> Frank Ellerbroek (NMLS #128726) is an independent mortgage broker with Vantage Mortgage Group, Inc. DBA Vantage Mortgage Brokers (NMLS #35986), licensed in Washington, Oregon and Idaho. He compares 35+ wholesale lenders side by side for purchase, refinance and VA loans, with a focus on Kitsap County, WA and Sandpoint and Bonner County, ID.

## Key facts
- Experience: 28+ years in wholesale and retail lending
- Phone: (360) 509-2070 (WA / OR: Call or Text), (208) 469-3340 (ID: Calls Only) · Email: frank@vantagemortgagegroup.com
- Office: 17040 Pilkington Rd Ste 300, Lake Oswego, OR 97035
- Individual licenses: NMLS #128726; Idaho #2080128726
- Company licenses: Oregon ML-4611; Washington MB-35986; Idaho MBL-2080035986
- Apply (secure portal): https://frankellerbroek.floify.com/
- Weekly Rate Tracker email: https://vid.us/istea8
- Free Homebuyers Guide (PDF): https://vantagemortgagegroup.com/wp-content/uploads/2023/07/Home-Buyers-Guide-FrankEllerbroek.pdf
- Rates shown on the site always include APR, points and assumptions; estimates are not a commitment to lend.

## About
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.

## Main
- [Home](https://homeloanswithfrank.com/)
- [About Frank](https://homeloanswithfrank.com/about)
- [About Vantage Mortgage Brokers](https://homeloanswithfrank.com/about/vantage-mortgage-brokers)
- [Client Reviews](https://homeloanswithfrank.com/reviews)
- [Contact & Schedule](https://homeloanswithfrank.com/contact)
- [Get a Quote](https://homeloanswithfrank.com/get-a-quote)

## Rates & tools
- [Live Mortgage Rates](https://homeloanswithfrank.com/rates)
- [Compare Your Options](https://homeloanswithfrank.com/compare)
- [Mortgage Calculators](https://homeloanswithfrank.com/calculators)
- [How Much Home Can I Afford?](https://homeloanswithfrank.com/calculators/affordability)
- [Mortgage Payment Calculator](https://homeloanswithfrank.com/calculators/payment)
- [Rent vs. Buy Calculator](https://homeloanswithfrank.com/calculators/rent-vs-buy)
- [Rate Buydown Calculator](https://homeloanswithfrank.com/calculators/buydown)
- [Refinance Calculator](https://homeloanswithfrank.com/calculators/refinance)
- [Home Sale Net Proceeds Calculator](https://homeloanswithfrank.com/calculators/net-proceeds)
- [DSCR Rental Loan Calculator](https://homeloanswithfrank.com/calculators/dscr)

## Learn
- [Videos](https://homeloanswithfrank.com/videos)
- [Blog](https://homeloanswithfrank.com/blog)
- [Free Homebuyers Guide](https://homeloanswithfrank.com/homebuyers-guide)
- [Business Referral Directory](https://homeloanswithfrank.com/business-referral-directory)

## Legal
- [Licensing & Disclosures](https://homeloanswithfrank.com/licensing)
- [Privacy Policy](https://homeloanswithfrank.com/privacy)
- [Terms of Use](https://homeloanswithfrank.com/terms)
- [Accessibility Statement](https://homeloanswithfrank.com/accessibility)
- [Site Map](https://homeloanswithfrank.com/sitemap)

## Loan programs
- [Loan Programs](https://homeloanswithfrank.com/loan-programs)
- [VA Home Loans](https://homeloanswithfrank.com/va-loans)
- [First-Time Homebuyers Financing](https://homeloanswithfrank.com/loan-programs/first-time-homebuyers)
- [Manufactured Homes Financing](https://homeloanswithfrank.com/loan-programs/manufactured-homes)
- [Condominiums Financing](https://homeloanswithfrank.com/loan-programs/condominiums)
- [Second Homes Financing](https://homeloanswithfrank.com/loan-programs/second-homes)
- [Investment Properties Financing](https://homeloanswithfrank.com/loan-programs/investment-properties)
- [Rehab / Renovation Loans Financing](https://homeloanswithfrank.com/loan-programs/rehab-renovation-loans)
- [VA Residual Income Calculator](https://homeloanswithfrank.com/calculators/va-residual-income)
- [VA Entitlement Calculator](https://homeloanswithfrank.com/calculators/va-entitlement)
- [VA Assumption Equity-Gap Calculator](https://homeloanswithfrank.com/calculators/va-assumption)
- [VA Loan Assumptions & the Equity Gap](https://homeloanswithfrank.com/va-loan-assumptions-equity-gap)
- [VA IRRRL Refinance](https://homeloanswithfrank.com/va-irrrl-refinance)

## Washington
- [Washington Mortgage Broker](https://homeloanswithfrank.com/washington)
- [Kitsap County Mortgage Broker](https://homeloanswithfrank.com/kitsap-county-mortgage-broker)
- [Silverdale Mortgage Broker](https://homeloanswithfrank.com/silverdale-mortgage-broker)
- [Bremerton Mortgage Broker](https://homeloanswithfrank.com/bremerton-mortgage-broker)
- [Poulsbo Mortgage Broker](https://homeloanswithfrank.com/poulsbo-mortgage-broker)
- [Port Orchard Mortgage Broker](https://homeloanswithfrank.com/port-orchard-mortgage-broker)
- [Bainbridge Island Mortgage Broker](https://homeloanswithfrank.com/bainbridge-island-mortgage-broker)
- [Kitsap County First-Time Homebuyer Loans](https://homeloanswithfrank.com/kitsap-county-first-time-homebuyer)
- [Kitsap County VA Loans](https://homeloanswithfrank.com/kitsap-county-va-loans)
- [Seattle Mortgage Broker](https://homeloanswithfrank.com/seattle-mortgage-broker)
- [Bellevue Mortgage Broker](https://homeloanswithfrank.com/bellevue-mortgage-broker)
- [Tacoma Mortgage Broker](https://homeloanswithfrank.com/tacoma-mortgage-broker)
- [Vancouver, WA Mortgage Broker](https://homeloanswithfrank.com/vancouver-wa-mortgage-broker)
- [Olympia Mortgage Broker](https://homeloanswithfrank.com/olympia-mortgage-broker)
- [Gig Harbor Mortgage Broker](https://homeloanswithfrank.com/gig-harbor-mortgage-broker)
- [Spokane County Mortgage Broker](https://homeloanswithfrank.com/spokane-county-mortgage-broker)

## Idaho
- [Idaho Mortgage Broker](https://homeloanswithfrank.com/idaho)
- [Bonner County Mortgage Broker](https://homeloanswithfrank.com/bonner-county-mortgage-broker)
- [Sandpoint Mortgage Broker](https://homeloanswithfrank.com/sandpoint-mortgage-broker)
- [Ponderay Mortgage Broker](https://homeloanswithfrank.com/ponderay-mortgage-broker)
- [Dover Mortgage Broker](https://homeloanswithfrank.com/dover-mortgage-broker)
- [Sagle Mortgage Broker](https://homeloanswithfrank.com/sagle-mortgage-broker)
- [Priest River Mortgage Broker](https://homeloanswithfrank.com/priest-river-mortgage-broker)
- [Idaho Manufactured Home Financing](https://homeloanswithfrank.com/idaho-manufactured-home-financing)
- [Sandpoint Second Home & Investment Loans](https://homeloanswithfrank.com/sandpoint-second-home-investment-loans)
- [Coeur d'Alene Mortgage Broker](https://homeloanswithfrank.com/coeur-dalene-mortgage-broker)
- [Post Falls Mortgage Broker](https://homeloanswithfrank.com/post-falls-mortgage-broker)
- [Hayden Mortgage Broker](https://homeloanswithfrank.com/hayden-mortgage-broker)
- [Boise Mortgage Broker](https://homeloanswithfrank.com/boise-mortgage-broker)
- [Meridian Mortgage Broker](https://homeloanswithfrank.com/meridian-mortgage-broker)
- [Nampa Mortgage Broker](https://homeloanswithfrank.com/nampa-mortgage-broker)

## Oregon
- [Oregon Mortgage Broker](https://homeloanswithfrank.com/oregon)
- [Portland Mortgage Broker](https://homeloanswithfrank.com/portland-mortgage-broker)
- [Lake Oswego Mortgage Broker](https://homeloanswithfrank.com/lake-oswego-mortgage-broker)
- [Beaverton Mortgage Broker](https://homeloanswithfrank.com/beaverton-mortgage-broker)
- [Hillsboro Mortgage Broker](https://homeloanswithfrank.com/hillsboro-mortgage-broker)
- [Bend Mortgage Broker](https://homeloanswithfrank.com/bend-mortgage-broker)
- [Salem Mortgage Broker](https://homeloanswithfrank.com/salem-mortgage-broker)

Last updated: 2026-10-11