Lake Washington waterfront view from Kirkland, Washington
NMLS #189037 • Kirkland, WA

Build the foundation
you've been planning for.

I help homebuyers, refinancers, and real estate investors in the greater Seattle area navigate mortgage lending with clarity and confidence — from first consultation to closing day.

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OriginPoint NMLS #189037
Kirkland, WA Local Presence
425-241-1941 Direct Line
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What I Offer

Mortgage solutions tailored
to your situation

Whether you're purchasing your first home, refinancing, or exploring investment options, I provide the guidance and expertise to make informed decisions.

Purchase Loans

From conventional to FHA, VA, and jumbo options — I'll identify the right loan program for your financial profile and timeline, so you can move forward with certainty.

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Refinancing

Lower your rate, shorten your term, or tap into home equity — I analyze your current loan and market conditions to determine if refinancing makes sense for your goals.

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Investment Properties

Multi-family, rental, or fix-and-flip — I understand the unique financing needs of real estate investors and structure loans that support your portfolio growth.

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Pre-Approval & Strategy

A strong pre-approval is your competitive edge. I walk you through the full financial picture — credit, assets, debt — so you know exactly what you can do before you start looking.

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First-Time Buyers

The homebuying process can feel overwhelming. I break down every step — from down payment assistance programs to closing costs — into clear, actionable guidance.

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VA & Government Loans

Serving those who served — I specialize in VA loans with competitive terms, zero down payment options, and the respect your service deserves throughout the process.

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Kara Rozanski professional portrait
OriginPoint office in Kirkland, Washington
OriginPoint NMLS #189037
About Kara

A mortgage professional
who treats your goals
like her own

Based in Kirkland, I work with clients across the greater Seattle metro — from first-time buyers in Redmond to investors in Bellevue. At OriginPoint, I bring the resources of a national lender with the personal attention of a local advisor.

My approach is straightforward: I listen first, then build a lending strategy that fits your finances, not the other way around. No pressure. No jargon. Just clear communication and honest recommendations at every stage.

Transparent Communication Every step explained before it happens
Local Expertise Deep knowledge of the Puget Sound market
Client-First Approach Your timeline and priorities drive everything
How It Works

From first call to closing
— a clear path forward

01

Initial Consultation

We discuss your goals, timeline, and financial picture. I answer your questions and outline what to expect — no obligations, just clarity.

02

Loan Strategy & Pre-Approval

I review your options, pull your numbers, and get you pre-approved so you know your budget and can act with confidence in a competitive market.

03

Application & Documentation

Once you're ready, I guide you through the application process and help gather everything needed — keeping things organized and on track.

04

Closing & Beyond

From appraisal to underwriting to your closing table, I stay in touch and keep you informed. After closing, I'm here if you ever need anything.

Client Experiences

What clients say about working
with Kara

Kara made what I thought would be a stressful process feel straightforward. She walked me through every option and helped me understand exactly what I was signing. I felt informed and supported the entire way.

Homebuyer, Kirkland First-Time Purchase

We refinanced our home with Kara's guidance and saved significantly on our monthly payment. She was responsive, professional, and kept us updated at every stage. Couldn't have asked for a better experience.

Refinance Client, Bellevue Rate & Term Refinance

As a veteran, I wanted someone who understood VA loans and treated my benefit with the respect it deserved. Kara delivered on both counts. She found me a great rate and made the whole process smooth.

VA Loan Client, Seattle VA Purchase Loan
Seattle skyline view from Lake Washington
Ready to Move Forward?

Let's figure out your options —
no pressure, no obligation

Whether you're just starting to think about buying, refinancing, or exploring what's possible, I'm here to help you understand your choices and make a decision you're comfortable with.

Contact Kara Today 425-241-1941
Get in Touch

Let's start a conversation

Reach out by phone, email, or the form below. I typically respond within one business day.

Office Address 4040 Lake Washington Blvd NE
Ste 301, Kirkland, WA 98033
Phone 425-241-1941
NMLS # 189037

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