Make your move.
Buying your first home or planning your next move? Get personal guidance to understand financing options and the home loan process.
Discuss a home purchase →A retired military veteran family. Serving Washington.
A place to call home.
A partner to get
you there.
From your first home to your next chapter, Twin Pines Mortgage helps you understand your options and move forward with confidence.
Serving homebuyers and homeowners across Washington.
Washington mortgage guidanceMilitary family values. Personal service.NMLS #2320938
Your goals. Your options.
Find the path that fits your life.
A mortgage begins with a conversation. Tell us where you want to go, and we’ll help you explore the next step.
Explore a new chapter.
Your needs can change over time. We’ll help you review your current mortgage and explore whether refinancing fits your goals.
Explore refinancing →Guidance for those who served.
Have questions about VA home financing? Talk with our team about eligibility, loan options, and your next steps.
Explore the VA buyer guide →For first-time VA homebuyers
Your VA homebuying starting point.
Buying your first home in Washington? Start with your eligibility, a comfortable budget, and a conversation about your financing options.
Prepare and request your COE.
A Certificate of Eligibility (COE) documents eligibility for the VA home loan benefit. It does not guarantee mortgage approval. Credit, income, and other loan requirements still apply.
Request it through VA.gov, ask your lender about obtaining it, or follow the VA’s mail instructions.
Veterans generally need a DD214 for the COE request; active-duty applicants generally need a signed statement of service. Guard, Reserve, and surviving-spouse records vary. Follow the VA’s instructions for your category.
Request a COE on VA.gov ↗COE instructions and required records ↗
Gather your information.
These are common starting items for a mortgage review. Your loan officer will confirm the exact documents and time periods needed for your situation.
- Photo identification and residential history.
- Recent pay statements or military Leave and Earnings Statements, as applicable.
- W-2s; tax returns and business records if requested for your income type.
- Recent bank statements and information about funds for closing.
- Current debts and other monthly obligations.
- Your COE, if already available.
Could you be exempt?
The VA funding fee is a one-time loan charge. VA lists these exemption categories:
- Receiving VA compensation for a service-connected disability.
- Eligible for that compensation, but receiving retirement or active-duty pay instead.
- A surviving spouse receiving Dependency and Indemnity Compensation (DIC).
- A service member with a qualifying proposed or memorandum rating for a pre-discharge claim before closing.
- An active-duty Purple Heart recipient who provides evidence by closing.
Ask your loan officer to verify your exemption status before closing. Other closing costs can still apply.
A later disability award may qualify for a refund if the compensation effective date is before closing. A proposed or memorandum rating received after closing alone does not qualify.
VA exemption rules, fees and refunds ↗Think beyond the payment.
Allow for taxes, insurance, maintenance, and closing costs. Ask about the VA funding fee and possible exemptions. A no-down-payment option does not mean there are no other costs.
Discuss Pre-Qualification.
Talk with your loan officer about your budget and financial information to get an initial estimate of what you may qualify to borrow. Prequalification does not guarantee loan approval.
Understand the next steps.
Your lender coordinates the VA appraisal. Arrange a separate home inspection to understand the property’s condition, then review the final loan terms and closing paperwork.
Share documents through your loan officer’s designated upload process.
Contact us for upload instructions. Please do not send Social Security numbers, bank statements, or military records through ordinary email. This guide does not collect or store your documents.
Official resources: VA homebuying steps · Funding fee and closing costs. Reviewed October 4, 2026. Twin Pines Mortgage, Corp is a private mortgage company and is not affiliated with or endorsed by the Department of Veterans Affairs. Requirements depend on your circumstances and lender.
Meet Twin Pines
A military family.
A commitment to serve.
We are a retired U.S. military veteran family, proud to serve our Washington community through Twin Pines Mortgage, Corp. Our family’s military service shapes our commitment to integrity, accountability, and personal attention.
We work to earn your trust through clear answers, thoughtful guidance, and respectful service—from your first questions to the next steps in your home financing journey. Based in Bothell, we serve homebuyers and homeowners across Washington.
Work with Jingjing Dang, Mortgage Loan Originator, NMLS #1620125, to discuss your purchase or refinance goals.
Connect with Jingjing“Buying a home is about more than interest rates.”
It’s about understanding your choices, asking questions, and finding a way forward that makes sense for you.
Let’s take the next step
A clear place to begin.
Tell us your goals.
Call or email to discuss your plans, questions, and timeline.
Explore your options.
We’ll help you understand the information needed and the financing options to consider.
Apply when you’re ready.
Continue to our existing Zip application portal to begin your mortgage application.
Let’s talk about home
Your next chapter
starts with a conversation.
Serving Washington from our office in Bothell.
Call 425-314-3358Your mortgage contact
Jingjing Dang · NMLS #1620125
jingjingd@twinpinesmortgage.com
Our office
1902 120th PL SE, Suite 102 B&C
Bothell, WA 98012