Island COUNTY · WASHINGTON
Mortgage Broker in Oak Harbor, WA
An Oak Harbor purchase can involve both a possible future move and address-specific utility, flood, geological or environmental questions. Test your ownership timeline, then use the city's property tools before relying on a listing's description of an improvement or future project.
Mortgage Lending Group LLC serves Oak Harbor from 123 2nd Ave S, Suite 230, Edmonds, WA 98020. Enrique Pelayo Jr, AMP · NMLS #131435 · English & Spanish.
Educational guidance · Updated 2026-10-02 · Our content standards
MORE THAN TWO DECADES OF EXPERIENCE
Enrique Pelayo Jr, AMPFounder of Mortgage Lending Group LLC. Personal guidance for home purchases, refinancing and equity decisions, in English and Spanish. Serving Seattle and nearby communities from Edmonds.
NMLS #131435 · Mortgage Lending Group LLC · CL-1157983
What does the AMP designation mean?
AMP stands for Accredited Mortgage Professional. The Mortgage Bankers Association awards this designation to graduates of its three-course School of Mortgage Banking. It represents additional professional education in the mortgage business.
That education complements Enrique’s hands-on experience explaining costs, choices and the mortgage process. The designation is separate from a state license and does not guarantee approval or a particular rate.
View Enrique’s AMP credential ↗ · MBA program requirements ↗BEFORE YOU CHOOSE A LOAN
Pair your move timeline with property-specific research
If a future assignment could shorten your ownership period, model selling and carrying costs without assuming immediate resale or rent. Then use Oak Harbor's GIS and city maps to research the exact address. The city provides utility, zoning, frequently flooded area, geological hazard, wetland and aquifer-recharge maps, but expressly warns that mapping is not guaranteed for accuracy or timeliness. Treat it as a research starting point and confirm material facts with Development Services or the appropriate utility or agency.
Does an Oak Harbor map prove that a property is outside every hazard area or that an improvement is permitted?
No. The city says its mapping is a research tool without a warranty of accuracy or timeliness. Use it to identify follow-up questions, then confirm the relevant permit, utility, zoning, flood or environmental record with the responsible office.
Research utilities, hazards and permits for the exact property
Oak Harbor's GIS portal can be used to research property information and utilities. The city also publishes maps for zoning, wetlands, frequently flooded areas, geological hazards and aquifer recharge areas. Its mapping disclaimer says the information is not warranted for accuracy, reliability or timeliness. The city's development guidance separately explains that a project may need both land-use and construction permits, so a map or finished feature in a listing is not proof that a particular use or improvement is permitted.
Before you commit: Search the exact address in the city GIS and relevant hazard maps, then ask Development Services or the responsible utility which current record controls the fact you need. If your offer or equity plan depends on an addition, converted space or future project, confirm permit history and obtain written estimates before reducing contingencies or reserves.
City of Oak Harbor: property and permit guidance ↗Source checked 2026-10-02 · Source publication date not provided. This is planning guidance, not a new-policy announcement.
Compare mortgage rates and assistance in Oak Harbor
Use the same property details, down payment and lock period when comparing Seattle and Washington mortgage rates. Include taxes, insurance, mortgage insurance and any association dues in your budget.
Considering help with closing cash? Read the WSHFC Home Advantage guide and ask a Commission-trained lender to confirm eligibility and participation. Assistance is a separate obligation; compare the repayment terms alongside the first mortgage.
MAKE IT YOURS
Does the monthly cost fit your life?
Put an actual Oak Harbor property alongside your comfort limit. Use a lender estimate for principal, interest and mortgage insurance; add the costs it may leave out.
Fill in all six amounts to see the comparison. Enter 0 only for costs that do not apply.
Planning only. This does not calculate a mortgage payment or determine approval. Estimates can change. These inputs stay in this page and are not submitted or saved.
ALREADY OWN IN OAK HARBOR?
Your next move might be staying put.
Before borrowing against equity for a remodel or accessory project, check whether both land-use and construction review may apply, confirm the current record, and compare written project estimates with the financing cost and a contingency reserve.
The sample uses fictional numbers. A home-value estimate is not an appraisal, and equity is not automatically available to borrow.
Check the details at the source.
- City of Oak Harbor maps and GIS resources ↗ — starting point for city services and property questions; a mailing address does not establish jurisdiction.
- CFPB: compare loan offers ↗ — compare the full terms and costs.
- Washington Commerce: homeownership resources ↗ — independent assistance and counseling resources.
These resources are independent of Mortgage Lending Group LLC. They do not endorse this guide. Availability, eligibility and property rules require current confirmation.
Explore more of Northwest Washington.
Seattle mortgage broker: loan limits, buyer programs and payment planning →
This is a service-area guide, not a branch-office listing. Mortgage services are provided through Mortgage Lending Group LLC. Educational planning is not a rate quote, commitment, approval or individualized tax or legal advice. Rates, costs, eligibility and values vary. Professional background and licensing.