Mortgage Broker · Tri-Cities WA · Oregon · Idaho · Texas
“Your mortgage BFF.”
Honest guidance, great rates, and genuine care at every step — for homebuyers across the Tri-Cities and all of Washington, Oregon, Idaho, and Texas. You're never just another file.
See why homebuyers across Washington, Oregon & Texas trust Stef with their home financing.
Read Google Reviews →In Their Words
Real reviews from homebuyers across Washington, Oregon & Texas.
Meet Your Broker
As an independent mortgage broker, my passion is finding you the best rate possible while delivering honest guidance and genuine care every step of the way.
You're never just another file. I truly care about your goals, your timeline, and making your home-financing experience smooth and stress-free.
I believe getting a mortgage should feel personal — not transactional.
— Stef Simmons, Mortgage Broker
Backed by Barrett Financial Group, LLC — giving you access to a wide range of lenders and loan programs, so we can shop for the fit that's right for you.
Get in touch →What I Can Help With
Whether you're buying your first home, refinancing, or tapping equity — as a broker I can shop multiple lenders to find your best fit.
Flexible options for buyers with solid credit and steady income.
Lower down payments and flexible credit — great for first-time buyers.
Zero-down financing and strong benefits for veterans and service members.
No-down-payment loans for eligible rural and suburban homes.
Financing for higher-value homes above conventional limits.
Lower your rate, change your term, or tap into your home's equity.
Self-Employed & Investors
Don't fit the traditional box? These programs are built for business owners, investors, and non-traditional borrowers.
For self-employed borrowers — qualify using 12–24 months of bank statements instead of tax returns.
Homeownership for borrowers who file taxes with an ITIN instead of a Social Security number.
For real estate investors — qualify on the property's rental income, not your personal income.
Also available: non-QM, asset-based, HELOCs, cash-out refinance, and down-payment assistance programs. Not sure what fits? Get a quick quote →
Where I Lend
Licensed in six states and originating loans wherever my clients call home — from Eastern Washington to Portland to Boise to Texas.
Kennewick, Pasco & Richland, plus West Richland, Benton City, Burbank, and Finley. My home base and where a lot of my clients are buying.
Originally based in Portland, Oregon — and still originating a large share of Oregon loans across the Portland metro and statewide.
Licensed across Idaho — from the fast-growing Boise metro to Coeur d'Alene and North Idaho, and right next door from my Tri-Cities base.
Licensed in Texas and closing a high volume of Texas home loans, including for buyers relocating to the Lone Star State.
Also licensed and lending anywhere in Washington, as well as Arizona & Wyoming. Not sure if I can help in your state? Just ask →
How It Works
Book a quick call or send a message. We'll talk through your goals and timeline — no pressure.
Complete a quick, secure online application so we know exactly what you qualify for.
As a broker, I compare lenders and programs to find your best rate and fit.
I'll guide you through underwriting to the closing table — smooth and stress-free.
Good to Know
I serve the Tri-Cities of Washington — Kennewick, Pasco, Richland, West Richland, Benton City, Burbank, and Finley — plus communities across all of Washington. I'm also licensed and active in Oregon (including the Portland metro) and Texas, and licensed in Idaho, Arizona, and Wyoming.
Yes — I'm based in Kennewick and work with homebuyers throughout the Tri-Cities and anywhere in Washington. It's my home market.
Yes. I'm licensed in Texas and originate a large number of Texas home loans, including for buyers relocating to or already living in Texas.
Absolutely. I was originally based in Portland, Oregon and continue to do a large share of Oregon loans — across the Portland metro and statewide.
As an independent broker I offer conventional, FHA, VA, USDA, and jumbo loans, plus refinancing and cash-out options — shopping multiple lenders to find the best rate and fit for you.
Yes. I offer bank statement loans (qualify with bank statements instead of tax returns — ideal for the self-employed), ITIN loans for borrowers without a Social Security number, and DSCR loans for real estate investors that qualify on the property's rental income. These non-QM programs are built for borrowers who don't fit the traditional box.
Instead of a single bank's products, I work with many lenders and compare their rates and programs on your behalf — so you get options, not just one institution's answer.
Let's Talk
Have a question or ready to get started? Reach out any way you like.