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Mortgage Advisor

Lisa Steffan

NMLS #87746

Sr. Mortgage Consultant • Everett Branch

Cell: 425.478.3711 
Direct: 425.903.3005
Fax: 425.903.3006
Licensed in WA

About Lisa


Buying a home may be one of the biggest investments you will make, and will require many decisions along the way.  I understand this and by carefully listening to my clients, I am committed to finding the ideal mortgage program that fits their personal financial goals.  One of my greatest joys is to work with clients early on and help them prepare for the home buying process whether they are ready to buy now, building credit or saving for the down payment. Getting to know my clients and helping them reach their dream of home ownership is so gratifying.

As a Mortgage Professional since 2005, I have seen many changes and developed an extensive knowledge of the mortgage industry. My business has organically grown through referrals by offering proactive communication, thorough explanations and always looking out for  my clients interests.

Dedication and tenacity are the cornerstones of my business ethic.  As a former competitive figure skater I have developed the skills of discipline, hard work and perseverance which have served my clients well when there have been bumps in the road during the home buying process.

My core values of exceptional customer service, honesty and integrity have made working with American Pacific Mortgage the perfect partnership for me. Following these core values, I have been awarded the Seattle Magazine Five Star Professional for 3 years . This prestigious award comes from the testimonials from my clients and only the top 6% of mortgage professionals in this industry are awarded this.  I am also a 3 time “Outstanding Loan Originator” nominee for Washington State Mortgage Professionals.

My husband and I of 32 years and have raised two wonderful children and now have an amazing grandson who I must say has his “MorMor” wrapped around his little finger! I believe family is the most important part of life and this shines through in my work and my understanding of the importance of having a home to build lasting family memories in.

Branch Address: 808 134th Street SW, Ste 205 Everett, WA 98204

What our customers are saying...

“I just want to say Lisa - you are the best !!!!! When I first contacted you about buying a home you said it was going to be a tough one but you stuck it out and made it happen for us and we really appreciate all the hard work you and everybody did for us we love the house!!!!!”

Susan Spinks

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog

Let us help you find the home loan to reach your financial goals.

American Pacific Mortgage Programs

Your offer backed by the purchasing power of a full loan approval. With our Keys on Time program, your offer may stand out in a competitive market. Keys on Time Guarantee Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Buy Want peace of mind for rising interest rates? You can lock your rate while you shop for a home, sell your home, or while your home is under construction. Certain fees may apply. Lock and Build Our Bridge Loan programs can help you purchase a new home before your existing home is sold. Bridge Loan Programs If you are looking to buy a home that exceeds conforming loan limits, we have multiple Jumbo loan programs to choose from. Jumbo Programs Our Peak Loan program allows you to buy a home up to $1.5M with only 5% down. Peak If you are looking to finance a home that exceeds conforming loan limits, our High Balance Solutions program may be the ticket you need. High Balance Solutions If you are looking to finance a home that exceeds conforming high balance loan limits, you can split the loan amount between a first and second with our Jumbo Solutions program. Jumbo Solutions With our Expanded Access program, we have opened the doors to borrowers who need access to financing but don’t "fit" the standard agency or jumbo program guidelines. Expanded Access Investor Advantage gives you purchasing power in the market today for investment properties. Investor Advantage A mortgage program that lets qualified borrowers factor in their assets as sources of qualifying income. Asset Inclusion If you can dream it, you can make it a reality. Finance the purchase of your fixer upper with the cost of repairs included in your mortgage. Dream Home Renovation Home Ready is a conventional 3% down mortgage loan with even more flexible income qualification guidelines. Home Ready by Fannie Mae Purchase a home with low down payment and flexible sources of funds. Home Possible A mortgage program dedicated to saving our selfless teachers and first responders a little money on their home loans. STaR Loan Program Financing provided for the purchase and refinancing of manufactured homes. Manufatured Housing