Stephen Chow   NMLS# 487429   State License WA MLO - 487429

Stephen Chow
On Q Mortgage Consultant

About Me

I’m Stephen Chow, and I have been a mortgage broker serving the Seattle Metropolitan areas including its surrounding eastside communities since 2002.
I have helped many families achieve the dream of home ownership with my knowledge of a vast array of products. Whether you are a first-time home buyer or looking for a move-up purchase, I have the ability to help you navigate the lending environment with ease and confidence.
Choose me, and you’ll get a mortgage consultant who will thoroughly explain the process and communicate throughout to ensure you get the best mortgage for your unique circumstances.
To get started, call me directly at 425.260.1728 or email

What I Want You to Know

When you work with me, you’ll enjoy my consultative approach. I use education as a platform to help you understand the full process. I am here to use my extensive knowledge to equip you to make one of the biggest decisions of your life.
Every day I bring a positive attitude, attention to detail and outstanding communication to my interactions with clients. I am goal oriented, and I help my clients determine what loan best fits their current lifestyle and aspirations for the future.

What Sets Me Apart

I offer an on-time closing guarantee. All facets of my job will be completed to keep your mortgage process on track for a timely closing.
I am a member of the Washington Mortgage Banker Association (WMBA) and have received FHA and State Bond certification through the Washington State Housing Finance Commission (WSHFC) allowing me access to a number of state-sponsored down payment assistance programs.

My Story

I was born and raised in Seattle and am a proud graduate of the University of Washington. I now reside in Bellevue with my wife and our two-year-old son and daughter twins. In my spare time, I love to Crossfit, snowboard, camp and spend time with my family. We also enjoy travelling, and some of our favorite destinations are: London, France, Scotland, Amsterdam, Hong Kong, Singapore, Thailand and Malaysia. I am an Ambassador with the Bellevue Chamber of Commerce.

What My Clients are Saying

  • "Stephen was referred to us by our agent. Prior to finding Stephen we were going to go with a lender which Stephen informed me was also was one of the best in the Seattle area. He assured me that they were a good company that I could also trust which is above and beyond. I found his openness and straight-forward approach to lending to be refreshing. He was very careful to give me all the information I could possibly need so there were no surprises when it came time to really find a house.

    Stephen responded quickly and efficiently with every question and followed up on some very specific questions we had no problem. We closed on-time and had zero issues. I will definitely use Stephen when looking for my next home and refer all of my friends to him without hesitation."

    - Andy G

  • "Stephen is the ultimate professional. Emails , text messages or phone calls are answered on a timely matter. Helped us navigate which refi loan would be the best for us painlessly. Couldn’t be happier and recommend 110%"

    - J Mlui

  • "I have been involved in the purchase & sale of several homes in multiple states, and I can honestly say that working with Stephen was among the best experiences I have had with a mortgage broker. My overall assessment of the process is that it was painless and easy. Thank you Stephen for minimizing the stress that comes along with obtaining the financing to buy a home!"

    - David F.

  • "We closed in 30 days without a hitch. Stephen and his team helped take a lot of the stress out of the financing process. I could always reach him and had answers to my questions immediately. I highly recommend Stephen and would use his services again in the future."


  • "This was the second time I used Stephen for my mortgage. He has been absolutely the best. In terms of communication and explaining everything in layman terms, he is superb. His detail to customer service is unparalleled. I had to reach out to Stephen for a few questions even after the closing and he was on top of everything."


  • "Stephen Chow was awesome! Professional and responsive. he made our new home purchase easy, even when work with a contingent offer. I will definitely work with him again on our next home purchase or refinance."


  • "We worked with Stephen on our home purchase for the first time and it was a great experience from start to finish. He is very thorough and patient, always ready to answer any questions, and always responds quickly even when we need a pre-approval letter outside of business hour His rates are also competitive and we had no problem getting our loan approved. He even went to the closing with us when our agent is out of town.

    I highly recommend Stephen as a lender for your new home."


  • "Stephen provided us with a Very prompt service. He was helpful in answering our queries and adjusting the rate per market fluctuations and also patient when we had to submit the missing pieces of documentation."


My goal is to become your trusted mortgage adviser for life by providing an unparalleled level of service. Contact me today to ask any questions or get started on your home loan.

Stephen Chow

On Q Mortgage Consultant - On Q Financial

10500 NE 8th Street Suite 1776, Bellevue, WA 98004
View Map


View the On Q Blog for News and Updates

Visit the On Q Blog