For Seattle & Washington Real Estate Agents
The Mortgage Lender Realtors Trust
Fast pre-approvals that win competitive offers, proactive communication, and on-time closings for your Seattle and Washington buyers. Partner with Joshua Donion and give every client a lender who makes you look good.
- 23+ Years Experience
- 1,000+ Loans Funded
- 4.9★ from 200+ Reviews
- NMLS #344326
Quick Answer
Joshua Donion is a Seattle-based mortgage loan officer who partners with Washington real estate agents to serve their buyers. Realtors refer clients to Josh for fast, offer-ready pre-approvals, responsive communication throughout the transaction, co-marketing support, and on-time closings, including tricky files like tech RSU income, physicians, self-employed, divorce, and bridge buyers.
A Lending Partner Who Protects Your Reputation
In the Seattle and Eastside market, your lender is an extension of your business. When a buyer's financing is slow, unclear, or falls apart at the closing table, it is your name and your relationship with the client on the line. The right mortgage partner does the opposite: they make your transactions smoother, your offers stronger, and your clients happier.
Joshua Donion has built his business around referral partnerships with Washington real estate agents. Rather than chasing every lead online, Josh invests in a small number of agent relationships and treats each referred buyer as a reflection of both his reputation and yours. That means fast turnarounds, no surprises, and clear communication from the first pre-approval to the final signature.
Whether you work with first-time buyers in Tacoma, move-up buyers in Bellevue, or relocating tech professionals headed to Seattle, Josh has the local market knowledge and the program breadth to get your clients to the closing table on time.
Why Seattle Realtors Partner With Josh
Four things every agent needs from a lender, delivered consistently.
Pre-Approvals That Win Offers
Seattle-area listings routinely draw multiple offers, and a weak or slow pre-approval can cost your client the home. Josh issues strong, fully reviewed pre-approvals — often same day — so your buyers can write with confidence. Listing agents recognize a pre-approval from a trusted local lender, and that credibility can be the difference in a competitive negotiation.
Responsive, Proactive Communication
You will never have to hunt Josh down for a status. He sends agents milestone updates at every stage — application, appraisal, conditions, clear-to-close — and picks up the phone. When an issue surfaces, he flags it early with a plan, so you can manage client expectations and keep the closing date intact.
Co-Marketing Support
Josh helps you grow your business, not just close a file. Within compliance guidelines, he provides co-branded pre-approval flyers, joint open-house financing sheets, homebuyer education events, and buyer-friendly content you can share. It is real marketing support that makes you look like the expert your clients already believe you are.
Smooth, On-Time Closings
A missed closing date creates rate-lock costs, moving headaches, and damaged trust. Josh manages his pipeline to close on schedule, coordinating with the title company, appraiser, and your transaction coordinator so nothing slips. Predictable closings protect your reputation and keep your clients referring you to their friends.
How the Partnership Works
Connect
Book a short partner intro call so you can see how Josh works, set expectations for your buyers, and talk through the kinds of clients you serve. There is no cost and no obligation to partner.
Refer
When you have a buyer ready to get pre-approved, a quick introduction by phone or email is all it takes. Josh works directly with your client to gather documents, review loan options, and issue an offer-ready pre-approval letter.
Close
Throughout the transaction, Josh keeps you updated at every milestone and coordinates with title and escrow to close on time. You look great, your client is happy, and the referrals keep coming.
Expertise With the Buyers That Trip Up Other Lenders
Some of your best clients have the most complicated files. When you refer them to a lender who knows how to document and structure these scenarios, deals that would otherwise stall in underwriting close smoothly instead. These are the buyers Josh specializes in across the Seattle and Puget Sound market.
Tech & RSU Income
Seattle and Eastside tech employees often earn a large share of their pay through RSUs, bonuses, and stock. Josh knows how to document this income correctly so buyers at Amazon, Microsoft, and startups qualify for the home they can actually afford.
Physicians & Dentists
Doctor-loan programs let medical professionals buy with low down payments, no PMI, and student-debt-friendly qualification. Ideal for residents and attendings relocating to Washington hospitals and clinics.
Divorce & Buyout Scenarios
As a Certified Divorce Lending Professional, Josh helps clients navigate equity buyouts, refinancing to remove a spouse, and post-divorce purchase qualification — protecting your buyer through a sensitive transition.
Bridge & Self-Employed Buyers
Move-up buyers who need to bridge between selling and buying, and self-employed clients with complex tax returns, both need a lender who can structure the financing correctly rather than declining the file.
Loan Programs Your Clients Can Access
A full menu of programs so you can send Josh any buyer, whatever their situation.
Conventional
As little as 3% down with competitive rates for well-qualified buyers, and PMI that drops off at 20% equity.
FHA
3.5% down with flexible credit guidelines. A workhorse program for first-time and credit-building buyers.
VA
Zero down payment and no PMI for eligible veterans and active-duty service members across Washington.
Jumbo
Financing above conforming limits for higher-value homes in Seattle, Bellevue, and the greater Eastside.
USDA
Zero down for eligible buyers in qualifying rural and suburban areas of Washington.
Refinance & Bridge
Rate-and-term, cash-out, and bridge options for move-up buyers and existing homeowners.
Frequently Asked Questions
What makes a good mortgage lender for a realtor's clients?
Agents need three things from a lender partner: speed, communication, and reliability. Fast, fully underwritten pre-approvals let your buyers compete in Seattle's multiple-offer market; proactive updates keep you ahead of every deadline; and a track record of on-time closings protects your reputation with clients and listing agents. Joshua Donion is a Seattle-based loan officer who delivers all three consistently.
How fast can you pre-approve my buyer in the Seattle market?
In most cases a strong pre-approval can be issued within 24 hours once the buyer submits their documents, and same-day is common for straightforward files. Because Seattle and Eastside listings often go pending within days, Josh prioritizes referral buyers so they can write competitive offers immediately rather than waiting on a slow lender.
Do you offer co-marketing support for real estate agents?
Yes. Within RESPA and lender compliance guidelines, Josh can co-host homebuyer education events, provide co-branded pre-approval and rate flyers, run joint open-house financing sheets, and share buyer-friendly content you can pass along to clients. The goal is to make you look great to your buyers while keeping every activity fully compliant.
Will I be kept in the loop during the transaction?
Always. Josh sends the agent proactive milestone updates: pre-approval issued, application submitted, appraisal ordered, conditions cleared, and clear-to-close. You will never have to chase him for a status, and if an issue surfaces he flags it early with a plan to solve it, so you can manage client expectations and protect the closing date.
Can you handle complex buyers like tech, physician, or divorcing clients?
Yes, and that is where a specialized local lender earns their keep. Josh regularly structures loans for Seattle tech employees with RSU and bonus income, physicians and dentists using doctor-loan programs, self-employed buyers, and clients navigating a divorce or a bridge between selling and buying. Referring these tougher files to a lender who knows how to document them keeps your deals from falling apart in underwriting.
Do your buyers need to be first-time homebuyers to work with you?
No. Josh works with the full range of buyers your business generates: first-time buyers, move-up buyers, investors, relocation clients moving to the Puget Sound region, and cash-out or bridge scenarios. Whatever your client's situation, he can match them to the right loan program across conventional, FHA, VA, jumbo, and USDA.
How do I start referring clients to Josh?
The simplest way is to book a partner intro call so you can see how he works and set expectations for your buyers. From there, a quick introduction by phone or email is all it takes to get a client pre-approved. There is no cost to partner, and no obligation.
Explore Related Programs
Find the right loan option for your situation.
First-Time Homebuyer
Special programs and guidance for first-time buyers entering the market.
Learn moreTech Employee Loans
Mortgage solutions using RSU income, stock options, and equity compensation.
Learn moreJumbo Loans
Financing for high-value properties that exceed conventional loan limits.
Learn moreReady to Partner?
Book a partner intro call and see how Josh can give your Seattle and Washington buyers a lending experience that makes you look great.