Meet the Team

Sofia Nygaard

MLO 92097

Sr Mortgage Professional


Whether you are a first time homebuyer, a veteran in need of a VA loan, have questions about refinances, or just need a mortgage calculator, don't let a robot give you vague answers. Call Sofia, a mortgage professional who cares, for personalized service!

Sofia helps homebuyers finance their dream home, and homeowners make smart decisions to get the most out of their mortgage. Her business is built 100% by referral which affords her more time to work for her clients and spend less time prospecting. She will answer your questions honestly, educate you on the lending process, and let you make your own financial decisions in your best interest. Sofia is an advocate for her clients and prides herself on a level of communication that can be counted on.


Sofia was born and raised in Snohomish County and currently makes her home in Woodinville with her husband, Andy and daughters Angelina and Anika. When she’s not taking care of her clients, Sofia is dedicated to her family, and passionate about serving others. Sofia spends a lot of time with her extended family who live in the area, including her four nieces and nephews. When she has personal time, Sofia can often be found immersed in music- singing and playing piano. Sofia also enjoys biblical studies, reading, cooking and baking, hiking, traveling, and watching the Seahawks!

Contact Information:

Sofia can always be reached on her cell phone 425.208.2241, or at our Sydney Plaza office number, 425.357.1044. Sofia is also very responsive via email and you can email her at your convenience:

Clients can also submit a no-obligation online application to Sofia by visiting this website’s home page and clicking the “apply now” button. Sofia typically responds to clients within 24 hours and is flexible in her communication- via telephone, email or in person. Sofia prefers to meet with her clients in person to conduct consultations and prepare for new loan transactions so there is an opportunity to get to know each other and meet your lender face-to-face. Clients will not only experience the highest level of service when conducting their transaction with Sofia, they will make a friend dedicated to them and their mortgage needs. Given the opportunity, Sofia will be your Mortgage Consultant for life.

Investing In My Community:

Sofia has a heart for kids and enjoys volunteering in the classroom at her daughters' elementary school where she especially enjoys working on reading and writing skills with the kids. Sofia also wears a few hats at her church where she serves in the areas she loves most: music and kids. Sofia is passionate about ministering through worship music and delights in serving on worship team.

Sofia can also be found in the K-2 room during Sunday school, where she co-teaches the children bible stories and shares the love of Jesus. Sofia also supports Seattle Union Gospel Mission, Operation Christmas Child (a division of Samaritan's Purse which ships shoe boxes full of gifts and necessities to children in the most underdeveloped places in the world), and other Samaritan's Purse projects- ranging from hurricane relief efforts to medical and spiritual needs for those in war-torn Northern Iraq.


Sofia- I just wanted to say thank you very much for doing the refinance for me, and Sherri, and Kaylina. You have made my life so much easier! You are always appreciated and we look forward to doing business with you in the future.

Adam and Sheri from Marysville

Sofia- Thank you so much for everything! You made the process of buying our home so simple. J As always, we will highly recommend you!

- Hedge and Melissa from Marysville

Thank you Gabrielle, Sofia, and everyone else for all of your hard work. You went above and beyond and we really appreciate it. We will always come to you guys in the future, and we'll make sure our friends do, too.

- Monte and Rachel from Everett

You took what for me had been a frustrating experience, gave me a better option, and then helped make it happen painlessly, and efficiently. I'm so happy with how this process worked, and will definitely continue to pass your name along to anyone I hear of that is looking for a mortgage/refi. J

Edith from Lynnwood

My husband and I have used Sofia on two occasions. Once when we bought our first house and then again when we refinanced and is amazing! She was always available to us whenever we had questions and would explain everything in terms we could understand. She was always very thorough and organized smile emoticon:) Thank you Sofia for making things so easy for us!!

–Andrea and Bryan from Lake Stevens

Sofia is incredible. I tend to be a more anxious person when it comes to new things/situations I'm unsure about. My husband and I have used Sofia three times now. She helped us with our original loan, we refinanced a few years later and just did a cash out refi at the end of 2016. Sofia is honest, thoughtful and thorough. She explained everything we needed to know about all the details without bogging us down or making me feel insanely overwhelmed (which happens often). She ...followed alongside us- not making us feel pressured to lock in a rate immediately but gave her opinion of when she thought was a good time. She locked us in at 3.5% right before rates went to above 4%. Thank you Sofia for all the time and energy you put into your work and for helping us through so many questions/concerns. I adore Sofia and would refer her to anyone I know who needs help with their mortgage needs!

–Taylor and Zane from Edmonds

Articles by Sofia

  • Credit Reports and Your Mortgage

    October 2

    The credit reports we use for mortgage lending are not like other credit reports you might get online, or from another creditor. Lenders are required to pull a tri-merge credit report including all three bureaus- Equifax, Experian, and Transunion. The reports contain the complete information needed by underwriting to make a determination about whether the borrower can repay the mortgage they’re applying for. Lenders credit reports also use specific fico models for scoring that don’t match what other creditors use. Some of the questions I often hear are:

    • Can I use my free credit report for my mortgage?
    • Will my credit score for my mortgage be the same as the one I received at the car dealership?
    • If I have to pull my credit report more than once, will my score go down?

    Tune into the latest edition of Straight Talk with Sofia for the answers!

  • What to Consider When Buying your First Home

    September 11

    When buying your first home there are so many things to consider . How much should you put down? How much should you save? Do you want to buy a single family home or a condo? Should you buy a fixer upper or move in ready home? Below is a great, quick video that covers some of the common questions first time homebuyers have. For the big questions, call me!

    First time home buyer's home
    Buying Your First Home
  • The Scoop on Financing a Fixer-Upper

    August 28

    Hi Everyone! Whether you’re a first time homebuyer or a veteran move up buyer, you may be considering a fixer-upper in Seattle’s hot market. Before you do, watch this! I give the lender’s perspective on homes that need a little TLC. 🙂

  • Invest or Pay off Your Mortgage? A Case Study

    August 14

    Invest, or pay off your mortgage? It’s a common question when a homeowner finds himself with extra cash.

    I love this article about a real scenario concerning a homeowner with a chunk of money, and whether or not to pay it off. Many factors come into play here including age, other debts, income, retirement, and more. If you find yourself in a scenario like this your financial advisor is a great place to start, but when it comes to your specific mortgage questions, call me! The most satisfying part of my job is helping my clients to make sound financial decisions when it comes to their mortgage. I love to see homeowners on track to financial freedom. Let me know how I can help you today!

    Invest or pay off your mortgage?

  • Rent or Buy? What to Consider

    July 24

    Is it better to rent or buy a home? It’s a question that most adults will ask themselves at one point or another. Before deciding which is the best option for you, consider the following factors.

    There are several components to consider when deciding whether to rent or buy.  Things like your personal situation, taxes, investment opportunities, financial stability and long-term goals all play a role in whether renting or buying is more beneficial. Continue Reading