Welcome to Mortgages by Denise

Find out how Denise Toves can help make qualifying for a low rate mortgage EASY!

We offer FHA, VA, Conventional, and USDA Loans. Including Down Payment Assistance Programs. 

Call me at 253-970-7971
Email me at [email protected]
NMLS: 2123706

Welcome lets start this Journey!

7 Steps to home ownership!

Here is a quick overview of the loan process. This also includes refinancing as well. If you have any questions please don't hesitate to reach out to me. 

Down Payment Assistance Programs

We have down payment assistance programs. This program offers the ability to utilize an FHA-insured home loan by offering eligible applicants the down payment. The assistance funds come in the form of a zero-interest second mortgage with a 30-year term. This second mortgage will be forgiven if the borrower makes 36 consecutive, on-time payments on the first mortgage. 

Down Payment Assistance Programs in Washington State makes it easier for buyers to get into homes. 

VA Home Loans

The Department of Veterans Affairs home loan program is one of a kind. It's the only government-backed program that enables military members and veterans to buy a house with zero money down. This is what makes the program so popular among military home buyers in Washington State

VA Home Loans in Washington State

USDA Rural Loan

The United States Department of Agriculture created the rural development loan (also known as the “USDA guaranteed loan” or “USDA rural housing loan”)

*No Down Payment – USDA loans do not require any down payment.
*Low Income Accepted – USDA loans was created to help promote home ownership for lower and middle income households.
*Low Mortgage Insurance – The monthly mortgage insurance on USDA loans, called the “guarantee fee” is lower than it is for other government-backed mortgages.
*Fixed Interest Rates – All USDA home loans are provided on a fixed mortgage rate. 
*Property Eligibility – USDA loans are intended for rural properties, therefore they are not available to finance properties in cities or larger towns. 

Communication is Key

Outstanding Communication and Follow-up We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan

Competitive Low Rates

Competitive Low Rates. We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.


Professional Support Count on us to be there with you and to help you navigate the entire mortgage process.

Closing on time

Close Your Loan On Time. We do everything we can to close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on schedule. 


Sign up to our newsletter and stay up to date


Thank you for subscribing to our newsletter.