# Glenn Hoch Mortgage > Glenn Hoch is a Washington State Licensed Mortgage Broker (NMLS 71716) at Barrett Financial Group, based on Whidbey Island and serving borrowers across all of Washington state. Over 20 years in mortgage lending and 1,000+ closed loans. Before his mortgage career, Glenn spent 13 years as a police officer, firefighter, and EMT. He offers VA, FHA, USDA, conventional, jumbo, and low-down-payment home loans for first-time buyers, move-up buyers, and refinancers. Glenn is an independent broker, meaning he shops dozens of lenders to find a strong rate and structure for each borrower rather than being tied to a single bank's product menu. His office is in Freeland, WA, at the center of South Whidbey Island, and he works with clients in person, over the phone, or by video call. ## Contact - Phone: (425) 750-1170 - Email: glennh@barrettfinancial.com - Office: 1592 Main St. Suite A-1, Freeland, WA 98249 - Website: https://thehochteam.com - NMLS: 71716 (Glenn Hoch) | 181106 (Barrett Financial Group) - Apply online: https://181106.my1003app.com/71716/register - LinkedIn: https://www.linkedin.com/in/glennhoch/ - Barrett Financial profile: https://www.barrettfinancial.com/ghoch ## About - [About Glenn Hoch](https://thehochteam.com/about/): full professional background, including his 13-year first-responder career, 20+ years in mortgage lending, service area, and the four-step process he uses for every file ## Specializations - **VA loans**, for active duty service members and veterans across Washington - **FHA loans**, low down payment and flexible credit requirements - **USDA loans**, zero-down financing for rural and small-town Island County and rural Snohomish County - **Conventional loans**, 3%, 5%, 10%, 15%, and 20% down - **Jumbo loans**, waterfront properties on Whidbey Island and higher-value Snohomish County homes, plus VA jumbo for military buyers - **Refinancing**, rate-and-term, cash-out, and VA streamline, with dedicated guides for both Whidbey Island and Snohomish County ## Service Area **Island County (Whidbey Island + Camano Island):** Oak Harbor, Coupeville, Freeland, Langley, Clinton, Greenbank, Bayview, Camano Island **Snohomish County:** Arlington, Bothell, Brier, Darrington, Edmonds, Everett, Gold Bar, Granite Falls, Index, Lake Stevens, Lynnwood, Marysville, Mill Creek, Monroe, Mountlake Terrace, Mukilteo, Snohomish, Stanwood, Sultan, Woodway ## Loan Program Hubs - [All Home Loan Programs](https://thehochteam.com/home-loans-whidbey-island-everett): every mortgage option Glenn offers, organized by category - [Whidbey Island Refinance Guides](https://thehochteam.com/refinance-guides-whidbey-island): island-specific refinance process and step-by-step education - [Snohomish County Refinance Guides](https://thehochteam.com/refinance-guides-snohomish-county): closing costs, 1% rate drop, 2% myth, and 80/20 rule for Snohomish homeowners ## Loan Programs - [VA Home Loans, Island County](https://thehochteam.com/loan-programs/va-home-loans-island-county/): 0% down VA financing for Whidbey Island veterans and military families - [VA Loans, Whidbey Island](https://thehochteam.com/loan-programs/va-loans-whidbey-island/): Whidbey-focused VA loan guidance - [VA Loans, Everett](https://thehochteam.com/loan-programs/va-loans-everett-wa/): Everett VA loan specifics, including NAS Everett context - [VA Jumbo Loans, Island County](https://thehochteam.com/loan-programs/va-jumbo-home-loans-island-county/): high-balance VA financing for waterfront and luxury Whidbey properties - [FHA Home Loans, Island County](https://thehochteam.com/loan-programs/fha-home-loans-island-county/): FHA financing for Island County buyers - [FHA Loans, Oak Harbor](https://thehochteam.com/loan-programs/fha-loans-oak-harbor-wa/): Oak Harbor-specific FHA guidance - [USDA Home Loans, Island County](https://thehochteam.com/loan-programs/usda-home-loans-island-county/): zero-down USDA financing for eligible rural Island County properties - [USDA Loans, Whidbey Island](https://thehochteam.com/loan-programs/usda-loans-whidbey-island/): Whidbey-specific USDA eligibility and process - [5% Down Home Loans, Island County](https://thehochteam.com/loan-programs/5-percent-down-home-loans-island-county/): low-down-payment conventional loans - [10% Down Home Loans, Island County](https://thehochteam.com/loan-programs/10-percent-down-home-loans-island-county/): 10% down conventional option - [10% Down Jumbo Loans, Island County](https://thehochteam.com/loan-programs/10-percent-down-jumbo-home-loans-island-county/): 10% down jumbo for waterfront and high-value homes - [20% Down Home Loans, Island County](https://thehochteam.com/loan-programs/20-percent-down-home-loans-island-county/): standard 20% down conventional, no PMI - [20% Down Jumbo Loans, Island County](https://thehochteam.com/loan-programs/20-percent-down-jumbo-home-loans-island-county/): 20% down jumbo financing ## Cities - [Clinton Home Loans](https://thehochteam.com/cities/clinton-home-loans/): South Whidbey ferry-access community - [Coupeville Home Loans](https://thehochteam.com/cities/coupeville-home-loans/): Central Whidbey, historic waterfront - [Everett Home Loans](https://thehochteam.com/cities/everett-home-loans/): Snohomish County seat, urban market - [Freeland Home Loans](https://thehochteam.com/cities/freeland-home-loans/): South Whidbey, Glenn's home market - [Langley Home Loans](https://thehochteam.com/cities/langley-home-loans/): South Whidbey village, arts community - [Mukilteo Home Loans](https://thehochteam.com/cities/mukilteo-home-loans/): waterfront South Snohomish - [Oak Harbor Home Loans](https://thehochteam.com/cities/oak-harbor-home-loans/): North Whidbey, NAS Whidbey Island area ## Resources - [Credit Score Guide for Whidbey Island Home Buyers](https://thehochteam.com/resources/credit-score-home-buyer-whidbey-island/): credit score minimums by loan type, improvement tips - [Everett vs Mukilteo Housing Comparison](https://thehochteam.com/resources/everett-vs-mukilteo-housing/): side-by-side market data for the two Snohomish waterfront cities - [First-Time Home Buyer Guide, Whidbey Island](https://thehochteam.com/resources/first-time-buyer-whidbey-island/): down payment, programs, and process for first-time buyers - [How to Refinance Your Whidbey Island Home](https://thehochteam.com/resources/refinance-whidbey-island-home/): step-by-step Whidbey Island refinance process - [Whidbey Island Housing Market Numbers](https://thehochteam.com/resources/whidbey-island-housing-market/): town-by-town market data for Oak Harbor, Coupeville, Freeland, Langley, and Clinton - [Refinance Closing Costs in Snohomish County](https://thehochteam.com/resources/refinance-closing-costs-snohomish-county/): line-item breakdown of refinance fees - [Is a 1% Rate Drop Worth Refinancing? (Snohomish County)](https://thehochteam.com/resources/refinance-1-percent-rate-drop-snohomish-county/): break-even math and when a 1% drop makes sense - [The 2% Refinancing Rule Myth (Snohomish County)](https://thehochteam.com/resources/refinance-2-percent-rule-snohomish-county/): why the old rule no longer applies - [The 80/20 Refinancing Rule Explained (Snohomish County)](https://thehochteam.com/resources/refinance-80-20-rule-snohomish-county/): LTV thresholds, equity, and PMI removal ## The Process Glenn Uses 1. **Discovery call**, review goals, budget, timeline, and any credit or income items that need attention 2. **Pre-approval**, assemble documentation and issue a pre-approval letter backed by multiple lender options 3. **Offer strategy**, align rate locks, lender credits, and closing costs to the specific property 4. **Smooth closing**, coordinate appraisal, underwriting, disclosures, and final funding ## Optional - [Sitemap](https://thehochteam.com/sitemap.xml): complete URL list - [robots.txt](https://thehochteam.com/robots.txt): crawler directives - [Barrett Financial Group](https://www.barrettfinancial.com): Glenn's brokerage firm - [NMLS Consumer Access](https://www.nmlsconsumeraccess.org): verify Glenn's license (NMLS 71716) or Barrett Financial (NMLS 181106)