Headshot of Raymond Germani

Raymond Germani

Loan Officer

Bothell, WA Mortgage Lender

NMLS #2319391

19015 North Creek Parkway, Suite 105
Bothell, WA 98011
Contact Methods
tel Phone
mobile Mobile
(425) 281-6510
fax Fax


About Raymond

I remember lacking confidence I’d ever become a homeowner. Less than desirable credit, huge debt, coming back to the U.S. to start a new job with a family of five that included a newborn – it just seemed like there was no way out. The feeling of finally getting the key to our own home was a vast sense of accomplishment, pride, and relief.

After spending over 30 years in customer service, my goal is to help you feel the same amazing feeling of achieving your homeownership dreams. I have an innate desire to make people feel comfortable, welcomed, and to have an unparalleled experience while building a working relationship.

Whether you’re a first-time homebuyer, a real estate investor, looking to refinance, or remodeling your home, you can be confident that our team will take care of you from start to finish. We’ll provide attention to detail, communication, and complete transparency at every stage. We also offer a multitude of mortgage programs to fit your goals and dreams. I would be grateful and honored to help you explore your options and be the one to help you and your family feel the joy of closing I felt many years ago.


  • Purchase and Refinance
  • Construction Loans
  • First Time Homebuyers
  • HECM Loan
  • Home Equity Loans
  • Jumbo Loans
  • Renovation Loans
  • USDA Loans
  • VA Loans
Homeowners walking on the beach after getting a reverse mortgage.

You’ve worked hard for your home. Now let your home equity work for you.

We have a home loan option that can help you enjoy well-deserved peace of mind when you’re ready for retirement.

A reverse mortgage is a unique financial tool that allows older homeowners to convert a portion of the equity in their home into cash without selling the home or making new monthly payments.

Get Started

Emergency vehicles at scene, including two police cars and an ambulance

CCM Line of Duty
Death Benefit

Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you.

Learn more

Recent Posts and Articles


Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 206-895-4557