PNW BRANCH 1

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

    NMLS #2373411+ Years ExperienceLicensed Nationwide
    35+
    Loans Closed
    1+
    Years in Business
    4.9
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Joshua Donion

    Loan Officer

    (206) 498-1040Visit their site
    Loan Programs

    Every option. Your best fit.

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    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

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    Estimate monthly payments based on your actual scenario
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    Explore loan programs matched to your situation
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    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 58 families & counting

    ★★★★★5.058 verified reviews
    "
    Josh was extremely responsive and did an excellent job guiding us throughout the process and answer any questions. With tight deadlines, he kept us on track to meet the closing date.
    Jon A.
    Seattle, WA · via Joshua Donion
    September 2026
    "
    I had a great experience working with Joshua. Josh was very professional, responsive, and knowledgeable throughout the entire process. He always replied to my messages in a timely manner and clearly answered all of my questions, which made the loan process much smoother and less stressful. I really appreciate his help and would highly recommend him to anyone looking for a reliable and professional loan agent.
    Yue Z.
    Sammamish, WA · via Joshua Donion
    May 2026
    "
    The level of advice, communication and patience we received from Joshua Donion was exceptional. He made it a point to ensure we had the tools and resources to make informed decisions regarding our acquisition.
    LaShana Y.
    Kent, WA · via Joshua Donion
    May 2026
    “
    Joshua helped my wife & I throughout our first time homebuying process. He was incredibly generous with his time, always followed up in a professional & timely manner, & communicated with all other parties to make our lives easier. Wonderful experience overall!
    Cody Allen T.
    Seattle, WA · via Joshua Donion
    April 2026
    “
    Ours was a difficult case. Not really AFN's fault at all. But the whole experience was not pleasant. Lots of stress & anxiety. Josh & his team were great though.
    Cande Lee C.
    Bellevue, WA · via Joshua Donion
    March 2026
    “
    Josh kept great track of the loan and was excellent at communicating. Not on Josh, but I think when your "secure site to sign" keeps old documents it became confusing as to which to sign.
    Michael Joseph S.
    Bellevue, WA · via Joshua Donion
    March 2026
    “
    This was my first time buying a home and I was unsure and anxious about the homebuying process. Josh proritized me throiughout this entire process and went above an beyond to ensure I was taken care of during the process. He ensured I was aware of my rights as a borrower and helped me understand the lending process. Highly recommend!
    Myranda M.
    Federal Way, WA · via Joshua Donion
    February 2026
    “
    Josh was professional, informative and very helpful in securing my loan. Quick and efficient and able to secure best rates in the loan process in this market. Thank you!
    Cynthia D.
    via Joshua Donion
    January 2026
    “
    Josh is so attentive and happy to help us understand the complex nature of a refinance. Complete pleasure to work with and would (and have) recommend him to all of our friends!
    Evan S M.
    Seattle, WA · via Joshua Donion
    November 2025
    “
    Josh was amazing and took his time to explain a lot of options to us on how to structure the loan and was incredibly patient and available to us.
    Ezra Ariel G.
    Seattle, WA · via Joshua Donion
    September 2025
    “
    Josh was outstanding to work with. I feel lucky to have partnered with him on my mortgage.
    Eli L.
    Seattle, WA · via Joshua Donion
    September 2025
    “
    He is very friendly and helps us get the best deal for loans.
    Chao Ying W.
    Kent, WA · via Joshua Donion
    July 2025
    “
    During my entire time looking into purchasing a condo, this Lender Josh Donion explained to me all the costs for the property! They assisted me in gaining a firm understanding on what I needed to prepare for! Even though this is not my first time purchasing a property, they shared their insight and made an ideal plan for my individual situation with multiple options! Did I mention that we completed this entire purchase in just a month?! Thanks so much!!!
    troykrieger7
    Seattle, WA · via Joshua Donion
    October 2024
    “
    Josh was always responsive, attentive to every step and very passionate on helping and seeing his client succeed. I was so lucky to have worked with him.
    almazgmichael
    Seattle, WA · via Joshua Donion
    September 2024
    “
    Josh was delightful to work with. Very communicative,knowledgeable, as well as being helpful and understanding of our needs. He walked us through every step of our experience, explained in detail when answering any of our questions and even reached out to us after our close to congratulate us and follow up if we had anymore questions or concerns. Josh approached every aspect professionally, but with a friendly demeanor. Would definitely recommend, and use him again, he made this stressful process so much easier.
    zuser20170427164827754
    Lynnwood, WA · via Joshua Donion
    August 2024
    “
    I almost feel guilty for how much Josh helped me. He would answer questions on the weekends, during his kids baseball games. I really appreciate how available he was during this confusing time for me. Not only was he available be be was patient. I worked with Josh for over a year before I found the right fit for me. So for a whole year he was quick to respond and ready to leap into action with all the properties that I asked about. Highly reccomend working with Josh. I know he has your back!
    shaner4305
    Renton, WA · via Joshua Donion
    May 2024
    “
    I have worked with Josh for over the past decade now, most recently to purchase our brand new home in May. Hands down this is an easy 5-Star review (more if they’d let me). It was a short timeline, and our situation was a bit unique and complicated. However, thankfully Josh is great with his communication, and was available to clarify and explain everything clearly throughout the entire process. It seems like each time we work with him, the experience continues to get better and better. He is certainly my preferred lender, and I strongly encourage my friends and family members to consult with Josh if they are ever in the market for residential mortgage advice.
    civonova
    Seattle, WA · via Joshua Donion
    May 2024
    “
    My husband and I bought our first home and couldn't have asked for a better experience with our loan working with Josh. He is so knowledgeable and knows the industry inside and out. He takes the time to explain things - and doesn’t just answer your question but provides context for the bigger picture - which really put me at ease for such a big purchase. He broke down the complex numbers involved with a mortgage and our loan in a way that was really easy to understand. Josh is such a pro — highly recommend him for all your loan needs!
    veronicalwhite
    Seattle, WA · via Joshua Donion
    December 2023
    “
    Josh was amazing, would highly recommend. He was super attentive and fast, and was super helpful with all of my "are you the person to ask?" Questions ????
    jammer1379
    Seattle, WA · via Joshua Donion
    December 2023
    “
    Josh was amazing throughout our entire house buying journey. Extremely knowledgable, honest, prompt, and (most of all) patient. He was right there with us through every step - even when we had stupid questions he would explain things in layman's terms that helped us a lot. With his vast amount of experience we always felt well taken care of and in good hands. Can't recommend enough!
    evanmathewsdesign
    Seattle, WA · via Joshua Donion
    December 2023
    “
    A+ Experience! If you are in the market for a Mortgage, I strongly suggest you work with Josh. We just closed on my new home in two weeks, and it was an incredibly smooth experience. I’ve been working with Josh for over 20 years now, and this has to be the 5th or 6th transaction together. He is a true professional. He’s always available to explain the different options, communicates well throughout the process, and has competitive pricing. He is a true expert in his field, I highly recommend working with Josh.
    vladc77
    Edmonds, WA · via Joshua Donion
    December 2023
    “
    Josh did an amazing job helping us purchase our first time. We had so many questions regarding loans and which option would be best for us and Josh was there for us every hour of the day the answer our questions and help us feel comfortable with our offer. Couldn't recommend him enough!
    KajsaNelson
    Seattle, WA · via Joshua Donion
    November 2023
    “
    My realtor put me in touch with Josh and I am very happy that she did. Josh was available to me whenever I needed and easy to work with. I was selling a home in another state to finance moving here and he worked with my situation and was able to coordinate the finances from that sale to my buying here. He also understood the stress I was going through as I encountered problems with the selling of my old house and was able to adjust what was happening here and smooth things out. When it came down to the numbers and explanations of what everything meant and how it would affect me now and long term. Josh did a great job at going through everything with me and breaking it down. I constantly asked questions and he was always fast with answers. Even with my problematic home sale elsewhere Josh would answer general questions for me to help me understand better what was going on there. As financing buying a home is usually the largest purchase we make in life and one we do not do often it helps to have someone experienced that can easily explain everything and makes the process seamless. Josh is easily that person. I recommend him to anyone buying a home.
    brian m.
    Parkland, WA · via Joshua Donion
    August 2023
    “
    This is the third property for which I have relied on Josh Donion to provide loan services. Josh is our go-to lender because of his remarkable skills, knowledge, and our unwavering trust in his ability to secure the right loan and the best value for our money. For example, in our most recent transaction involving the purchase of a home in Olympia, WA, Josh presented multiple scenarios for us to consider, helping us identify the optimal loan choice despite the high interest rates. We were truly delighted with the range of options he provided.Furthermore, Josh delivered on his promise of a 10-day closing period, and with the assistance of his dedicated back-of-house team, the entire transaction progressed swiftly and flawlessly. Perhaps the most remarkable aspect is Josh's personal touch – he treats us like family, consistently available to answer questions, engage in phone conversations, and provide unwavering support during what can often be a stressful event. Huge thanks to Josh and his Team!
    findangelarae
    Olympia, WA · via Joshua Donion
    August 2023
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    Our Branch

    PNW Branch 1

    American Financial Network · NMLS #237341

    Address
    10 Pointe Drive, Suite 330
    Brea, CA 92821
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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