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Independent mortgage broker · Kirkland, WA · Since 2006

The mortgage brokerage that STOMPS the big banks.

Experienced, independent mortgage advisors in Kirkland since 2006. We compare home loans from dozens of wholesale lenders, bring decades of lending, real estate investment and development experience to every loan, and routinely close purchases in as little as 10 to 14 days.

What can we help you with?

Buy a homeRefinanceTake cash outReverse mortgage (62+)
About two minutes · No obligationReady to apply? Start your application
Since 2006Decades of combined lending experience
Dozens of lendersOne application, more loan options
6 statesWA · OR · ID · GA · FL · TX
NMLS #67412Verify on NMLS Consumer Access

How a broker works for you

A bank only offers its own limited loan options. We shop dozens of leading wholesale lenders to find competitive rates and a loan tailored to your specific circumstances.

  1. 1

    Tell us your goal

    Answer a few quick questions online or call us. Buying, refinancing or tapping equity — we start with what you want.

  2. 2

    We shop the lenders

    We compare programs and pricing across dozens of wholesale lenders and lay out your real options side by side.

  3. 3

    You choose, we close

    Pick the loan that fits. Your loan officer handles the paperwork and keeps you posted — and we routinely close purchases in as little as 10 to 14 days.

Why LoanZilla

Experience you can lean on.

Most mortgages are simple. The ones that aren't — self-employed income, investment properties, jumbo loans, tight timelines — are where experience pays off. LoanZilla is led by two principals with decades in mortgage lending and on the ownership side of real estate.

Read their full bios →
Rick Trepus

Rick Trepus

President · NMLS #67667

More than 30 years in mortgage lending. Rick guides his own clients and works with every LoanZilla loan officer on loan strategy and tough files. His background includes real estate development and commercial investment.

Clint Aguon

Clint Aguon

CEO · NMLS #1893008

More than 20 years of residential and commercial real estate investing, development, and lending experience that shapes how he structures and tailors loans for his clients, including buyers, investors, and the self-employed.

Loan programs

A loan for where you are.

Compare all programs →

Fixed-rate

One rate for the life of the loan, with terms from 10 to 30 years.

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Adjustable-rate

An initial fixed period, then a rate that can adjust. Useful if you plan to move or refinance.

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FHA

Government-insured loans with low down payment options and flexible credit guidelines.

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VA

Home loans for veterans, service members and eligible surviving spouses.

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Jumbo

For loan amounts above conforming limits — common across the Eastside.

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USDA

Rural Development loans for homes in eligible areas, with household income limits.

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Investment & DSCR

Financing for rentals, qualified on your income or the property’s rent.

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Reverse (HECM)

For homeowners 62+. You keep paying property taxes, insurance and upkeep.

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Bank statement

For self-employed borrowers, qualified on bank deposits instead of tax returns.

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Construction

Build a home or add major space, with one loan from lot to move-in or separate phases.

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Fix-and-flip

Short-term financing for investors buying and renovating a property to sell or rent.

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HELOC

A line of credit on your home equity that you draw on as needed — no need to refinance.

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Not sure which?

Tell us your goal and a loan officer will walk you through the options.

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Tools & learning

Run the numbers before you call.

Payment calculatorIncluding taxes and insuranceHow much can I afford?Based on income and debtsRefinance break-evenWhen closing costs pay offAmortization schedulePrintable, payment by paymentDocument checklistWhat to gather for pre-approvalThe loan processSix steps from quote to keys

Latest from the Learning Center

How fast can you close on a house in Washington? →Can RSU income help you qualify for a mortgage? →
Mortgage Learning CenterGuides, FAQ and glossary from experienced loan officersVisit the Learning Center →

Client reviews

Built on referrals.

Read all reviews →
“Clint and his team are fast. They stay focused and plan ahead for challenges, our loan processed and funded in half the time we had anticipated. Clear communication, and always felt he was thinking about our interests and not the other way around. Highly recommended.”
Chad Haugen
“I've used LoanZilla for three purchases and three refinances, and each transaction has been smoother than the last. Clint and the team are exceptional, making the process seamless and stress-free. I cannot recommend LoanZilla enough and will continue to trust them for all my real estate needs. Thank you for consistently delivering outstanding service!”
Keith Dahlenburg
“Rick got our loan done when the other sources we tried failed. It was a master class in navigating the click-the-box mentality of financial institutions.”
Richard Landon

Talk to a real, licensed loan officer.

Six experienced loan officers, one Kirkland office — every one of them NMLS-licensed.

Meet the team →

Areas we serve

Rooted in Kirkland. Licensed in six states.

Also serving homebuyers and homeowners across Oregon, Idaho, Georgia, Florida and Texas.

KirklandBellevueRedmondSeattleTacomaEverettSpokaneVancouverPortland, ORIdahoAll areas we serve →

Ready when you are.

Get a quote in about two minutes, or call 425.659.3388 to talk it through with an experienced, licensed loan officer.

Get a quoteCall 425.659.3388