The TED Standard Specialties Learn About Ted Reviews Call or text (206) 510-0744 Start a Conversation →
Washington Mortgage Loan Officer · Fairway Home Mortgage

TrusTED.
DedicaTED.
AppreciaTED.

A lot of good words end in TED. I like that. It reminds me how I want you to feel when your loan is done. You trusted my advice. I worked hard for you. And you know I'm glad you picked me.

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Ted Klarich, mortgage loan officer with Fairway Home Mortgage
4.99★
Average client review rating
593
Reviews written by real clients
7
Loan specialties, one point of contact
1
Person who owns your file start to finish
$500K
Typical loan size. Every size is welcome
7
Years in mortgage lending

I don't like working with people who do just enough to get by. My clients don't either. So I won't ever be that guy for you.

Rating and count are based on 593 client reviews. Every loan is different. Past results do not promise the same results for you.

Why people call me

Buying a home is a big deal. You should not have to figure it out on your own.

Most lenders send you a link and a rate. Then they send emails from a computer. It works fine until you have a real question. Then you are stuck.

A home loan is the biggest money choice most people ever make. It comes with a deadline. It comes during a very busy month. You deserve a real person on the phone.

So I do it the other way. I get to know you first. Then I build the loan to fit you.

That takes longer. I like it that way.

"Can we actually afford this?"
"Should we buy now or keep waiting?"
"Is my VA benefit the right move here?"
"What happens after I send the documents?"
The TED Standard

Three words I want you to say when we are done. They all end in TED.

It started as a joke about my name. Now it is my checklist. If you cannot say all three on closing day, I did not do my job.

01

TrusTED

"I believe what he told me."

I give you straight answers. Even when they cost me the sale. If waiting six months is smarter for you, I will say so. Bad advice is worse than no advice.

02

DedicaTED

"He worked harder than he had to."

I make the extra call. I run your loan three ways to find the one that saves you the most. I answer your text at 8pm on a Sunday, because that is when your offer is due.

03

AppreciaTED

"I felt like a person, not a number."

I call you before you have to call me. I say thank you. And I still know your name years after you get the keys.

The communication promise

You should never have to guess how your loan is going.

Every lender says they are good at keeping you posted. Look at the two updates below. That is the difference.

The update most people get

"Your loan is still in process. We'll let you know."

The update I send

"Good news. The home appraised for the full price, so we are fine there. The loan team needs two more things from you: your June bank statement, and a short note about the money you put in the bank on the 12th. Send those today and we still close on Friday. I will text you the second they clear."

You get real news, in plain words, before you have to ask. You can always call me. I just don't want you to need to.

About photoCandid shot: at a closing table, on site, or with clients. 3:4 crop.
About Ted

Hi, I'm Ted. I do the parts of this job most people skip.

For seven years I have helped people in Washington buy homes and pay for them. I work with first-time buyers who are not sure they are ready. I work with veterans using the benefit they earned. I help owners lower their payment, move to a smaller home, or buy a rental.

The loan type is not what matters most. How it feels is what matters. You should hang up every call knowing more than you did before. I would rather explain something twice than let you sign a paper you do not get.

TrusTED. DedicaTED. AppreciaTED. A lot of good words end in TED.

Half my job happens where you cannot see it. I push the loan team for answers. I call the seller's agent to back up your offer. I look for the loan that saves you money, not the one that is quickest for me. That is the extra work, and it is the only way I know how to do this.

7 yearsIn mortgage lending
4.99 ★From 593 client reviews
NMLS #1897317Fairway Home Mortgage
(206) 510-0744Call or text me directly
Start a Conversation
Where are you starting from?

Seven kinds of loans. One person who knows your name.

Pick the one that sounds like you. Not sure? That is a fine place to start. Call me and we will work it out together.

First-Time Buyers

You have never done this before. Nobody expects you to know the words yet. We start at the beginning.

Start here →

VA Loans

You earned this. Let's use it right. Often no money down, and an offer sellers will take seriously.

Use your benefit →

FHA Loans

A smaller down payment. Easier credit rules. A good way in, as long as we plan the way out too.

See if it fits →

Refinancing

A lower payment. A shorter loan. Or cash from the value you built. Only worth it when the numbers say yes.

Run the numbers →

Investment Properties

Buying a home to rent out. We set up the loan so the rent works for you, not just the sale.

Build the portfolio →

Relocation

New job. New town. Two closings and a moving truck. I keep the dates lined up so the move is the only hard part.

Plan the move →

Downsizing

Less house. More life. Selling one home and buying the next takes care and good timing. I take my time here.

Talk it through →

Not sure yet?

Most people are not. One call. No forms. No pressure. Just a straight answer about where you stand.

Just ask a question →
What working together looks like

Six steps. You will always know which one you are on.

STEP 01

We talk

Twenty minutes. What you want, when you want it, what worries you. No forms. No credit check. Just an honest answer about where you stand.

STEP 02

We make a plan

I show you your choices side by side. How much money down. What kind of loan. What you would pay each month. And what each choice really costs you.

STEP 03

You get pre-approved

I collect your papers and check them early. That way your pre-approval letter holds up when it counts.

STEP 04

You make an offer

You find the house. That same day I call your agent and the seller's agent. I make sure your loan makes your offer look strong.

STEP 05

The loan gets checked

The home gets appraised. The loan team reviews your file. You hear from me at every step. If something goes wrong, you hear it from me first, with a plan.

STEP 06

You get the keys

Once a year I check your rate for you. And I still pick up the phone when life changes. Closing day is the start, not the end.

Learning center

Know what you are signing.

Short answers to the questions people ask me most. No big words. No sales pitch. Just what I would tell you over coffee.

▶

How much house can I afford?

Coming soon · 4 min
▶

VA loans: what your benefit covers

Coming soon · 5 min
▶

FHA or regular loan: how to pick

Coming soon · 4 min
▶

Every paper you need, and why

Coming soon · 3 min
▶

Should I refinance right now?

Coming soon · 5 min
▶

Buying your first rental home

Coming soon · 6 min

Want one of these answered for your own situation? Just ask me →

What you can count on

Doing just enough is a choice. So is doing more.

Honesty first

I will tell you the truth, even when it is "wait"

I would rather lose a sale than put you in a loan you will hate later. Sometimes telling you to wait is the best thing I can do for you.

Hard work

I do the extra work whether you see it or not

Rebuilding your loan to save you money. Chasing the loan team late on a Friday. Calling the seller's agent to speak up for your offer.

Teaching

You will understand every number before you sign

If a word does not make sense, that is my problem to fix, not yours. You should feel sure because you understand it, not because I told you to relax.

Kindness

This is stressful. I will not pretend it is not

Buying a home lands in the middle of real life. Work. Kids. Moving. Parents who need help. I plan around all of it.

Easy to reach

One person. One number. I pick up

No call center. No being handed off to a stranger in the middle. You get my number, and it is really mine.

Thank you

Nobody has to pick me

Every client picked me. Every referral came from someone who put their own name on the line. I never forget that.

In their words

593 reviews. A 4.99 average. This is the part I am most proud of.

★★★★★

"I had no doubt that Ted was by my side from start to finish. He went out of his way to make sure I understood every step of the process, and talked me down when the stress was intense."

Lisa · Tacoma, WA
★★★★★

"I had an excellent experience working with Ted. From start to finish, he was professional, knowledgeable, and always willing to answer my questions. Buying a home can be stressful, but he made the entire process smooth and easy to understand."

Alex · Kirkland, WA
★★★★★

"I was referred by a friend, and I'm so grateful I was. From day one, Ted went above and beyond to help me through every step of the home-buying process. He was always patient, responsive, and genuinely cared about making everything as smooth as possible. I truly appreciate all of his support and highly recommend him to anyone looking for an amazing lender. Thank you, Ted and Team!"

Deborah · Kirkland, WA
★★★★★

"Ted and team pulled off a miracle with our loan. They delivered the most personalized service and were truly in our corner when no one else was. We are forever grateful."

Kaitlin · Mc Dade, TX
4.99
★★★★★Average rating across
593 client reviews

593 people took the time to write about working with me. They live in Tacoma, Kirkland, and as far away as Mc Dade, Texas. The same words show up again and again. Patient. Quick to answer. Went above and beyond. On our side. Those words are the whole job.

Read all 593 reviews

Reviews are printed the way clients wrote them. Every loan is different, so your experience may be too. Review use follows Fairway's marketing and advertising rules.

After you close

Closing day is not the end of my job.

Most loan officers go quiet once you get the keys. But rates change. Your home gains value. Your family grows. Plans change. Those are the times a good lender is worth having in your phone.

Get on the annual review list →
  • Annual review of your rate and payment Every year
  • A call if refinancing would really help you Only when it would
  • What your home is worth now Just ask
  • Help thinking about a second home or a rental Anytime
  • Straight answers when your kids buy their first home Gladly
  • A phone number that still works Always

Let's just talk first. No forms.

Twenty minutes. No credit check. Nothing you have to sign. Tell me what you want to do, and I will tell you honestly where you stand.

Start a Conversation Call or text (206) 510-0744

TrusTED. DedicaTED. AppreciaTED.

Get in touch

Tell me where you are at.

It does not matter how early it is or how unsure you feel. That is a fine place to start. I answer my own phone, and I read every message myself.

Call or text(206) 510-0744
Office[Branch address to be added]
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What happens next: I write you back myself, usually the same day. Then we talk for a few minutes. No credit check. No forms. Nothing you have to sign.

When you send this, you agree to let me contact you about it. I never sell your information or share it with anyone who does not need it to answer your question.