Your Trusted Mortgage Broker in Seattle, King, Snohomish & Pierce Counties
Keith Akada (NMLS #112443) is a Seattle based Loan Officer at Mortgage Reel, powered by Fairway Independent Mortgage Corporation. With 25+ years of experience, Keith holds 850+ verified reviews on Experience.com, plus more across Google, Yelp and Redfin, making him one of the most-reviewed loan officers in Washington State.
With 1,500+ homeowners helped and over $500 million in closed loans across Seattle, Bellevue, and the Greater Eastside in King, Snohomish and Pierce Counties, Keith’s track record with first time home buyers, move-up buyers and investors is built on fast closings, education, clear communication, and clients who come back and refer their family & friends. For homeowners, Keith structures refinance financing that matches your goals: a lower rate, a shorter term, or cash out to consolidate debt or fund your next investment.
Why Choose Keith Akada, Loan Officer, Mortgage Reel?
24 Hour Pre-Approvals, 9 Business Day Speed to Close, Fairway’s Advanced Underwriting are all factors a Listing Agent and Sellers will consider. If multiple offers are presented, ability to waive financing contingency and a fast close help my buyers win!
Whether you’re buying in Seattle, refinancing a Bellevue single-family home, or leveraging Amazon, Microsoft, META, Apple or Google RSUs for a Seattle jumbo loan, Keith sets clear expectations designed to help you make confident decisions in today’s competitive market.
Local Expertise – I specialize in the unique markets of Seattle, Bellevue & the Greater Eastside, King, Snohomish & Pierce Counties.
Tailored for Tech Buyers – I understand how to qualify with RSUs, stock compensation, and new employment offer letters to maximize buying power.
Mortgage Programs Offered
Low Down Payment Loans – Conventional 3%, FHA, VA
Jumbo Loans (Seattle, Bellevue & Eastside) – Financing above King County’s $1,063,750 conforming loan limit
First-Time Buyer Programs – Down payment assistance + education.
Investor Friendly Loans – Single Family, Duplex, triplex, fourplex rental property financing. Conventional, DSCR, and Bank Statement.
New Construction Loans – For the fast-growing segment of Accessory Dwelling Units (ADUs) and Detached Accessory Dwelling Units (DADUs).
Refinance Options – Lower your rate, reduce term, tap equity, or consolidate debt.
Meet Keith Akada – Loan Officer & Seattle Mortgage Broker
I was born and raised in Seattle, and I’m proud to still call this city home. As a husband, father, and member of this community, everything I do starts with Ohana — the belief that family is the foundation of everything, and to treat the people we serve like Ohana.
My “why” is twofold. First, it’s personal: I do this for my family, to show them what’s possible when you commit to a craft and serve people well. Second, it’s the work itself. I’m passionate about showing clients what’s possible — that homeownership is within reach, that investment properties can build real passive income and long-term wealth, and that the right refinance can bring genuine peace of mind by lowering a monthly payment and freeing up room to breathe. Homeownership changes lives. It changed mine — and helping others get there is what drives everything I do.
I began in banking right after high school, spending nine years before transitioning into mortgage lending in 2000. Over the past 25+ years as a Loan Officer, I’ve built my reputation on education, clear strategy, speed to close, and proven results — guiding thousands of clients through first-time purchases, move-up homes, refinancing, jumbo loans, investment properties, and everything in between.
Once a first-time homebuyer myself and now a real estate investor and developer, I understand firsthand how critical homeownership is for building stability and generational wealth. My clients appreciate that I don’t “sell” — I educate. Whether you’re purchasing your first home, relocating to the Pacific Northwest, restructuring a mortgage to lower your payment, or growing your real estate portfolio, my promise is simple: make mortgages clear, fast, and successful — so every client I serve moves forward with confidence and certainty.
It’s not just rate and closing costs in Seattle
Daily market volatility affects rates and costs. Making confident, empowered decisions requires education and strategic timing.
Happy Homeowners Assisted
I’m thankful for and honored by every homeowner I’ve been able to help. The map below runs from 2018 to today. Scroll to zoom in.
Neighborhood Insights on Seattle Mortgage Lending
Seattle: Popular neighborhoods like Columbia City, Green Lake, Ballard, Queen Anne, and Capitol Hill have competitive housing markets where strong pre-approvals are key.
Bellevue: High demand from tech professionals means jumbo financing is common. Proximity to Amazon, Microsoft, and Meta makes tailored loan strategies essential.
Real loan structures from buyers and homeowners Keith has assisted: actual purchase prices, down payments, loan types, and days to close from Seattle neighborhoods.
Find Your Neighborhood and Loan Program
Local guides for the cities Keith lends in most, plus the loan programs buyers ask about first.
Should you trust reviews when hiring a loan officer?
Reputation, social proof, and the experience of your loan officer matters. You hire the loan officer — not just the company. Choosing the right loan officer is crucial, and reviews play a key role. Similar to a reference on a resume, reviews convey expertise, knowledge, performance, customer experience, and satisfaction. Results and Service Driven.
What Clients are Saying About Keith?
“Keith was great to work with. He was transparent with numbers, kind, and always easy to get ahold of. His ability to close quickly gave us a huge competitive edge as first time homebuyers that didn’t have a huge budget – it may be the reason we got the house we did. We’d highly recommended him!” Niki T. · First-time buyer · Google review · Aug 2026
“Keith and his team were absolutely incredible to work with. They were able to close in record breaking time with extremely high confidence. Throughout the entire process, Keith was highly responsive and knowledgeable and provided extremely high comfort that we were in good hands. 10/10 will recommend to anyone in the area.” Jared W. · Lynnwood, WA · Verified Experience.com review · Jan 2026
“Keith was extremely communicative and skilled at explaining the loan process in a clear way, which made this process much easier and less daunting for first-time homebuyers. He checked in with us frequently, answered all our questions quickly and provided us with the tools to help us make informed decisions.” Elise T. · First-time buyer · Google review · Apr 2026
“Keith and his team are amazing! They made the refinance process a breeze. He was very patient and answered all of our questions and concerns . Had great market insights and helped us structure the loan to meet our current day needs. I would use him again and recommend him to all friends and family” Zachary N. · Renton, WA · Refinance · Verified Experience.com review · Mar 2026
“My family has worked with various loan officers and by far Keith is the best! From the first time that we met him we could tell that he was not only knowledgeable, but was passionate about what he does. He genuinely takes the time to educate you on what’s happening in the market so that you can make an informed decision. He was also quick to respond and kept us updated every step of the way. The whole process was seamless and we even closed in 10 days. If we ever buy another home, we will definitely be working with Keith. I highly recommend him to anyone!” Amanda C. · Google review · Oct 2024
850+ Verified Reviews on
Experience.com
“Keith and his team are awesome! They made the lending portion of the homebuying process incredibly smooth, and provided responsive support throughout! Keith graciously educated us on the process, and answered our (many) questions. I would highly recommend him and his team for anyone looking for a lender during homebuying! Thank you Keith!”
“Keith took the time to educate me and was available to me whenever I needed him. I trusted his expertise and that he was looking out for my best interests.”
“Keith is the ultimate professional. He knows all the ins and outs of the process. I have successfully completed 3 home loans with Keith and he will be the only loan professional I will work with.”
“Keith was an amazing resource during our first time home-buying process! He educated us on the market, answered all of our questions, and was patient as we slowly worked through our search. He went above and beyond during our closing process to ensure everything went smoothly. Would recommend to anyone looking for a knowledgeable lender!”
“Keith was always ready and available with any question during this process. We used him for our first house and second house and will continue to work with him in the future.”
“Keith was incredibly helpful, responsive, had great attention to the details, graciously answered our questions, and was able to move very quickly, which was instrumental in our offer being accepted!”
Frequently Asked Questions
How fast can Keith close on a mortgage loan?
Keith consistently delivers exceptional closing speeds. Based on client feedback, he regularly closes loans in 9 days, fast enough to win in Seattle’s most competitive markets. One client noted: “Keith managed to close on our home in just 9 days! This expedited timeline made our offer particularly appealing to the sellers, even though they had a higher bid.”
What makes Keith different from other loan officers in Seattle?
Keith is known for an “educator first” approach to mortgage lending. As one client put it: “Keith cared more about advising on financing for a home than being the broker for this specific mortgage. His goals are to educate homebuyers. Getting a mortgage through Keith is, at most his, 3rd priority. His 1st being helping homebuyers.” He provides personalized education, including custom videos to explain complex processes.
Does Keith work with first-time homebuyers in Seattle?
Absolutely. Keith specializes in guiding first-time homebuyers through the entire process. Multiple clients have noted his expertise in this area: “As first-time homebuyers, we had so many questions and Keith was truly our guiding light through the entire process. Out of all the lenders we spoke to, he was the only one who took the time to walk us through how to improve our credit and set us up for success.”
How quickly does Keith respond to questions during the loan process?
Keith is known for exceptional responsiveness. Clients consistently mention his quick communication: “Keith is very knowledgeable, responsive, and supportive. His quick replies and clear guidance made the loan process seamless.” Another client noted: “He was easily available, just a message away whenever we had questions.”
What types of mortgage loans does Keith offer in Washington?
Keith offers comprehensive mortgage services including home purchase, first-time home buyers, refinancing to change rate & term, and debt consolidation. All loan types: conventional, jumbo, FHA, VA, investment, bank statement and DSCR financing. He works with Fairway Independent Mortgage Corporation and is licensed in Washington State (NMLS #112443).
Who is the best mortgage broker in Seattle?
Keith Akada at Mortgage Reel is one of the most-reviewed loan officers in Washington State, with 850+ verified reviews on Experience.com plus reviews on Google, Yelp and Redfin. He has 25+ years of experience, has helped 1,500+ homeowners, and has closed over $500 million in home loans across Seattle, Bellevue, and the Eastside. Keith specializes in first-time homebuyers, jumbo loans, and tech professional financing including RSU qualification.
What is the jumbo loan limit in King County Seattle in 2026?
The 2026 conforming loan limit in King, Snohomish and Pierce Counties, Washington is $1,063,750. Any loan amount above this threshold is considered a jumbo loan and requires specialized financing. Keith Akada at Mortgage Reel specializes in jumbo loans for Seattle, Bellevue, and Eastside buyers, particularly tech professionals from Amazon, Microsoft, Google, and Meta who need tailored loan strategies.
Can RSU and stock compensation be used to qualify for a mortgage in Seattle?
Yes. Tech professionals in Seattle with RSU (Restricted Stock Unit) compensation from companies like Amazon, Microsoft, Google, or Meta can use their stock income to qualify for larger mortgage amounts, including jumbo loans above King County’s $1,063,750 limit. Keith Akada at Mortgage Reel specializes in qualifying RSU and stock compensation income for home loans and has extensive experience helping Seattle tech professionals maximize their buying power.
Is Mortgage Reel a local Seattle mortgage broker or a national lender?
Local. Mortgage Reel is Keith Akada’s Seattle team, located at 600 Stewart St Ste 400, Seattle, WA 98101, and powered by Fairway Independent Mortgage Corporation (NMLS #2289), a direct lender. Keith was born and raised in Seattle and specializes exclusively in the Pacific Northwest market including Seattle, Bellevue, Redmond, Kirkland, and surrounding King, Snohomish and Pierce County communities. You get a local loan officer you can meet in person, backed by Fairway’s advanced underwriting and a 9 business day speed to close.
How do I get pre-approved for a mortgage in Seattle?
To get pre-approved for a mortgage in Seattle with Mortgage Reel, you can book a free call with Keith Akada at themortgagereel.com. Keith will review your income, credit, and assets to issue a strong pre-approval that sellers and agents recognize. With Fairway’s advanced underwriting, pre-approvals can be issued quickly — giving you a competitive edge in Seattle’s fast-moving market.
What areas does Keith Akada serve as a mortgage broker?
Keith Akada at Mortgage Reel serves homebuyers and homeowners throughout Washington State, with deep specialization in the greater Seattle metro area including Seattle, Bellevue, Redmond, Kirkland, Shoreline, Renton, Everett, Tacoma, and surrounding King, Snohomish and Pierce County communities. He is particularly experienced with the Eastside tech corridor and neighborhoods popular with Amazon, Microsoft, and Google employees.