Home Purchase Loans
Competitive programs for first-time and repeat buyers.
Your Trusted Partner for Home Financing
Helping clients in Washington, Oregon, and California achieve their homeownership goals.
Loan Programs
Explore financing options tailored to your goals.
Refinancing Options
Lower your rate or change your loan terms.
FHA & VA Loans
Government-backed solutions for qualified buyers.
Conventional Loans
Flexible options for qualified borrowers.
Jumbo Loans
Higher loan limits for luxury purchase.
Second Mortgages
Access equity for renovations or other needs.
How It Works
Your mortgage process simplified in four clear steps.
Pre-Approval
Get pre-qualified and understand your budget.
Application
Complete your mortgage application quickly and securely.
Underwriting
We verify details and guide you through required documents.
Closing
Finalize and celebrate your new home!
About Me
I’m Bezuayehu Zeberga, a Mortgage Loan Officer committed to helping Washington State residents achieve their homeownership dreams. I believe every client deserves honesty, education, and care throughout the mortgage process. From the first conversation to closing day, I work to ensure a seamless, stress-free experience tailored to your unique goals. Let’s make your journey to homeownership clear, simple, and successful — together.
NMLS ID 2589020
Mortgage Calculator
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Mortgage Insurance (MI)
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Homeowners Insurance (HOI)
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Property Tax
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Debt-to-Income Summary
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Monthly Debt
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Debt-to-Income Summary
Monthly Income
Monthly Debt
Your debt-to-income ratio is the percentage of your gross income used to cover your mortgage and other debt payments. This ratio and your credit score are two key factors lenders use to determine if you qualify for a loan. The lower your ratio, the easier it is for you to pay your bills each month.
Calculations are estimates and for informational purposes only and do not constitute a commitment to lend. Actual results and qualifying ratios may vary by lender, loan program, and current market conditions.
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Frequently Asked Questions
One of the easiest ways to determine the amount of mortgage you qualify for is to reach out to one of our loan officers. Our experts will help determine the approximate amount you can borrow based on your specific situation before you shop for your new home.
Mortgage insurance is written by a private mortgage insurance company to protect the mortgage lender against loss due to default or foreclosure when your down payment is less than 20% on most conventional loans.
The APR includes the cost of the interest rate plus any broker or lender fees, closing costs, discount points, or rebates. This cost is also expressed as a percentage and should be greater or equal to the interest rate. This number is influenced by the lender as it includes fees which may vary between companies.
Closing costs will cover recurring (ongoing expenses) and nonrecurring (one-time) fees that are part of your transaction. Costs can vary depending on where you live, the type of loan you choose, and the property that you purchase.
The primary government-backed mortgages include VA, FHA, and USDA loans. VA loans are backed by the U.S. Department of Veteran's Affairs, FHA loans are backed by The U.S. Department of Housing and Urban Development (HUD), and USDA loans are backed by the U.S. Department of Agriculture.
Contact
Phone: (206) 852-6929
Email: bezuayehuz@reliancemortgage.net
Office Address: 1008 140th Ave NE, Suite 101, Bellevue, WA 98005
Equal Housing Lender — Bezuayehu Zeberga (NMLS ID 2589020) is licensed to originate mortgage loans under Reliance Mortgage Inc. (NMLS ID 69455). Reliance Mortgage Inc. is an Equal Housing Lender.