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Sarah Kohut

VP of Mortgage Lending
1100 Dexter Avenue N, Suite 100, Seattle, WA 98109
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NMLS: 1369901
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TestimonialsCustomer testimonials Read more

The best thing about Guaranteed was their availability. Throughout the process, either by email or phone, the responses were quick. Any questions or concerns were explained without delay. And, their flexibility in easing one of the rules to make the loan work was greatly appreciated. We were recommended to Guaranteed by a trusted friend and if anyone we know is looking to refi or purchase, we would not hesitate in the least to recommend you.

Gary R.

Sarah K was awesome!

Ashish W.

As a first time home buyer I was terrified of the process, until I had the great fortune to get Sarah assigned as my account rep. Her communication skills and dedication to me as the client were of the highest caliber. I never had a question that wasn't answered within minutes. She was able to get me through the whole process without any major problems and explained things so straight forward I am simply amazed! I simply can't imagine having gone through this process without her help. Thank you...

Brenda G.

The experience was wonderful. Things moved quickly and I was always contacted with up dates. I would recommend Sarah to all my friends and family. Was really a pleasure working with her.

Kelli B.

Sarah and Guaranteed Rate were very helpful and knowledgeable through the entire refinance process. They made our refinance about as easy as it could be. Everything required from us was well outlined and easy to submit. I would highly recommend them for a refinance or home mortgage loan.

Ryan J.

When I was looking to refinance my house last year, I was a lucky to speak with Sarah as a matter of fact her entire team. She was very helpful and eager to help to make sure that my loan went though with a follow up "my refinance went through in time" thanks to Sarah and the entire Guaranteed loan team.

Michael U.

I met Sarah when looking at purchasing a to-be-constructed home in a new subdivision. She offered initial advice on financing options, was very knowledgeable, and helped close the loan quickly when I decided to purchase a different home elsewhere.

Krish E.

About Sarah

Sarah is a licensed attorney who after years of real estate investing transitioned into mortgage lending to help others achieve their dream of home ownership. She is now part of a team of dynamic women who have been in the mortgage industry since 2007. The team’s streamlined process, availability (seven days a week), and unparalleled responsiveness allow for fast, efficient closes.

Sarah was recruited onto the team due to her legal skill set and passion for client advocacy. In today’s market both the level of legislation lenders need to follow and the depth in which loans have to be structured require a more educated skill set than ever before. Sarah’s legal background enables her to rapidly find, analyze, and explain the terms of documents and situations that may come into play during her clients’ transactions. At Guaranteed Rate we have over 30 investors we work with on a day-to-day basis both in and out of house and Sarah’s understanding of each investor’s nuanced guidelines gives her clients options the average lender cannot provide.

Sarah’s objective is not just to let her clients know how much house they can reasonably afford and their various loan options, but to help them understand the financing process and how they can best position themselves to purchase their dream home within the framework of their overall financial goals.

Sarah serves on the Board of the Seattle Public Library Foundation, is a book-devourer, avid yoga practitioner and Seahawks fanatic and can be found enjoying the parks and cafes of her Capitol Hill neighborhood on sunny days

Sarah interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I’m a firm believer in owning a home, not having a home own you, so the first thing I do with new clients is discuss their lifestyle, home ownership goals and other long-term financial goals. Next, I look at their credit report and discuss whether there are any accounts, or negative items they don’t know about and may not be accurate or whether working on their FICO score for a month or two might be advantageous (keeping in mind how mortgage rates and the local housing market are trending). Utilizing that information, plus other financial data such as paystubs and tax returns, I determine the best loan options for my clients and provide them with scenarios for each option so they can do a dollar and cents comparison and choose the path that best furthers their financial goals.
What advice would you give new or first time home buyers?
Start working with your lender early! There is nothing worse than finding your dream home and discovering you don’t have quite enough for a down payment and closing costs or you don’t qualify for the loan you want because of poor credit. Starting the preapproval process with a good lender six months or even a year before you get serious about home shopping allows any issues or problems to be discovered and worked on so when you do find that perfect home, you can put your best offer forward.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
Zillow is my favorite app for seeing what’s on the market. You can set search parameters and receive daily or weekly updates on new homes or open houses within your search area, or walk/drive to your dream street, open the app and get all the details on homes for sale nearby. When dreaming turns to shopping, the Guaranteed Rate app (of course) is a fast way to get your info over to me and the preapproval process started.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born and raised in Southern California, attending Newport Harbor High, UC Santa Barbara and Loyola Law School in Los Angeles. I was lured to Seattle in 2007 and fell in love with the vibrant literary community, always innovating restaurant scene, the Huskies and the Seahawks (sorry Mariners, my baseball allegiance is still to the Angels – the Anaheim Angels). After nearly 10 years, 67 degrees finally feels balmy.
Tell us something that makes you unique or something wacky, yet interesting about you?
In law school, tax classes were my sweet spot and yet I became a litigator, not a tax attorney. I also have a hidden Martha Stewart streak that never fails to surprise new friends.

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