Hi!  I'm John Bratmon, President of Towne Mortgage, and I want to thank you for visiting our website!  Unlike faceless internet lenders, we at Towne Mortgage are Mortgage Consultants, whose goal is to provide you with many options regarding Mortgage Financing, NOT salespeople trying to sell you a specific loan product.  We're a Washington State Specific Mortgage Lender (based in Redmond), and have helped clients buy or refinance real property in North & South King County (including Seattle), the Eastside (Renton through Newcastle, Bellevue, Redmond & Kirkland, to Woodinville), Snohomish and Pierce Counties since 1988.  If you're looking to obtain financing to buy a home or to refinance your current home, then You've Come to the Right Place!

Choosing the best mortgage solution to meet your needs can be a difficult and confusing endeavor.  My job, as a Mortgage Consultant, is not only to provide you with many options regarding your financing choices, but to also ensure you understand the entire process, and are comfortable with it.  Ultimately, I want to earn the privilege of being your Trusted Mortgage Lender, For Life!

The following is a listing of how this website is organized:

Free Mortgage Reports - This sections offers free consumer mortgage reports, on a variety of subjects, including How To Buy A Home With No Down-Payment,  and other topics.  Fill in the abbreviated form to request to receive this free, valuable information by e-mail!

Why John Bratmon? - Finding the right Mortgage Professional to work with is just as important as finding the right home or loan product.  This section details a list of the top reasons why the services I provide are unique to the mortgage industry, and how I can save you literally thousands of dollars over the life of your loan!

Mortgage Rates & Info - This section contains Consumer Specific mortgage information.  Here you can learn The Truth About Mortgage Rates, fill in an Online Loan Application form (fill it in & submit it to get the mortgage approval process started), review mortgage rates & pricing information, start the pre-approval process (to figure out how much home you can qualify for) and review a consumer links page for general information,

Imperfect Credit? - If you have less-than-perfect credit, I can help you by providing you with mortgage solutions to buy a home or refinance to clean up you credit blemishes!  This section details the kinds of credit issues that can occur, and how, through mortgage financing, you can begin the process of re-obtaining a more traditional credit profile!

Preferred Partners - This section features  a list of my Real Estate & Financial Professional Preferred Partners - those Professionals who have exhibited a high level of professional standards and knowledge, those with whom you can establish a trusted & stress free working relationship!

Client Testimonials - Letters from a few of my past clients for whom I've provided a mortgage solution.  These are people whose lives are now headed in a much improved financial direction.

Free E-Mail Newsletter - I write, publish and distribute a FREE weekly informational e-mail newsletter, detailing mortgage market trends & changes, real estate ideas, tax strategies, etc.  An example newsletter and a link to my old newsletter archives is included.  Fill in the abbreviated form to register for this FREE service!

Click on the left or right hand links to navigate.  I hope you find the information presented here to be of great value to you and/or your clients.  I'd appreciate your feedback, regarding what you like here, & what you'd like to see.  For suggestions, please Click Here.

Note:  To take full advantage of all of the information on this site, you may need to download and install a FREE version of Adobe Reader. It's not required for most of this site, however some reports can only be accessed with Adobe.