Salmon Bay Community Lending Greenwood Ave N, Seattle

I felt very taken care of by Ruby and Paige. I could tell that they worked extremely hard to get me the the best loan for my income bracket. They also were very good at keeping me informed about what to do next so that we kept on time with our schedule. Lastly, they are both just lovely people. They both have a naturally warm and personal feel in the day to day correspondence. It was a pleasure working with them.

Scott and his team were fantastic to work with! Definitely recommend. Always super responsive and accommodating. Scott and his team went above and beyond by not only answering my questions, but also sharing information that clarified the home buying process I wouldn't have thought to ask!

Ruby helped strategize and guide me through a very complicated and unique financial situation that involved investment partners. Believe me, you want someone like Ruby who demonstrates nimble expertise and seasoned knowledge when looking at all the angles so you can make your best decision and maximize your loan approach. She patiently explains things so you understand a process that feels overwhelming. She’s reliable, prompt, and in fact, thanks to her fast responsiveness, I landed my home when the offer submittal had a 12-hour turnaround. In this current market, timing can be crucial. Lastly, Ruby really loves what she’s doing. If she can perform the ‘financing gymnastics’ given in my complex situation, she can definitely help anyone get their best loan. It also doesn’t hurt that Ruby and her team are a pleasure in providing exceptional service!

I honestly don’t know where to begin with how amazing my experiences have been with Salmon Bay Community Lending – specifically Scott Martin and Ellaina Lewis. I truly cannot recommend them enough. In May of 2021 I was happily renting and informed (on my birthday no less) that my landlord was selling my beloved rental out from under my remaining six-month lease. In a matter of days, I went from thinking I could never possibly own a home to navigating a complex mortgage application. Scott is one of the most responsive and thoughtful people I have ever worked with and made the complicated process as straightforward as humanly possible. He was always available to help whenever I had a question, making sure I understood all of my options inside and out. The real estate agent on the sale represented both myself and the seller and that experience was less than fun or ideal, to say the least. Scott went above and beyond the role of a lender to help advise me and make sure I knew how to protect my interests in the process. As a first-time homebuyer, I truly would have been lost without him along on the journey. We closed on my home on July 1, 2021 and I couldn’t be happier to call my sweet little cottage, MY home. In November of 2021, it was time to help my father explore the purchase of a brand-new condo out in Seabrook, WA, for which he had already put down a sizeable amount of earnest money. Not closing on this condo was financially not an option. I knew I’d be returning to seek out Scott’s, Ellaina, Ruby and the rest of the team at SBCL’s help, and I am so thankful I did. Due to several extenuating circumstances including A LOT of complexities completely out of our control, and the fact that my father is a small business owner during pandemic times, the mortgage was exponentially more complicated than any of us could have imagined. Scott and I had joked throughout my home purchasing process that my mortgage was complex – it was a cake walk compared to my dad’s. Likely the most complicated borrowing situation his team has dealt with all year and possibly ever. Needless to say, Scott and Ellaina worked tirelessly for six months straight to secure the mortgage and I am so happy to say my dad will be enjoying his first sunsets on the beach this weekend. I genuinely do not know how Scott has found the time to balance the workload related to my dad’s purchase, among all of the other clients he has. Again, he was timely, informative, helpful, understanding and patient with all of our questions and concerns. In short -- Scott and Ellaina (and everyone at SBCL) are truly incredible. I have full faith in their ability to work with anyone and bring dreams to life. The magic they worked over the last year for my family is undeniable and I have nothing but an A+++ review to give them. When it comes time to navigate anyone in my family’s next purchase or refinance, I wouldn’t even consider going anywhere else.

Ruby and Paige guided me through a complicated refinance tied to a legal case over property in a divorce settlement. Their grace, good humor, steady confidence, and overall caring for the client made a very difficult situation much more bearable. They timed everything perfectly with the parallel legal case and I came through it all whole. Many thanks to Salmon Bay Lending!

Working with Ruby was a truly wonderful experience. For us, as first time home buyers, the process seemed somewhat intimidating. Ruby provided honest, straight forward information in a format that was easy to understand. We worked together to identify our goals and carried them out in a timely manner. Weekly video updates provided us with updated status on where we were in the process. We could not be happier with our home loan and the support Ruby provided. I would highly recommend Ruby at Salmon Bay Lending to anyone looking to obtain a home loan!

Ruby and Paige did an amazing job helping us close on time! It was truly a pleasant experience and I recommend Salmon Bay to everyone! It was our first time buying a home and they made it an incredibly stress free process. Definitely will be going through them for all of our future home purchases.

Have had 2 great experience with Ruby and team in financing new home purchased. They are very organized, provide lovely personalized video updates every week,, super responsive on email, and great humans!

Scott was at our side throughout the entire process of our first home buying experience. Through his patience, availability, and knowledge we felt comfortable and considered in what is a huge decision. When we originally connected with him, we were just starting the process and through his help we got into our first home much faster and smoother than we could have imagined. Oh, and he's also funny, which made the process that much more enjoyable.

We loved working with Ruby, Paige, Spin, and the whole Salmon Bay team. It was always easy to get a hold of anyone we needed, and we felt supported the whole way with their educational updates and quick response times.

We worked with Ruby at Salmon Bay for about a year and a half as we searched for and bought our first home. At the end of the process, my husband said to me, “Now that we’ve experienced Salmon Bay, no other services are good enough anymore. I want everything I interact with to be as good as Salmon Bay - banking, insurance, everything.” A few things we loved: responsive and crystal-clear communication from Ruby and her entire team, sound education for us on how home loans work (I feel like I ACTUALLY understood what was happening and what all the numbers meant the whole way through, as a complete novice), proactive check-ins for 1.5 years just to make sure they stayed updated on our thinking and finances, professionalism in all forms of correspondence, a team that inspired so much confidence with their expertise (special shout out to Paige), kindness and cheerfulness without exception, proactive outreach to the seller's agent within minutes of us making an offer to assure them we were in a strong position to buy (even though it was a major holiday), local credibility and relationships that certainly played a role in getting us our house even though there was a competing offer for $50K more, a clear roadmap for closing and frequent video updates for the whole buying/selling team along the way, willingness to answer all 5,000 minor questions I had during closing as if each one was important and worthy of attention and time, and absolutely no surprises the entire way - not a single surprise. I can’t recommend Salmon Bay highly enough!

Ruby and her team were so friendly. They ran scenarios for me and made the refi process quick and easy. The weekly video updates were a whimsical touch. Thank you!

Ruby and Paige guided me through a complicated refinance tied to a legal case over property in a divorce settlement. Their grace, good humor, steady confidence, and overall caring for the client made a very difficult situation much more bearable. They timed everything perfectly with the parallel legal case and I came through it all whole. Many thanks to Salmon Bay Lending!