Meet the Team

Sofia Nygaard

Apply with Sofia

NMLS/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

  • USDA Property Eligibility Areas Revised June 4th, 2018

    June 4

    On June 4, 2018, the new ineligible area maps for the Rural Development Single Family Housing (SFH) and Multi-Family Housing programs will be updated

    USDA loans are zero-down, government insured loans available for borrowers who want to purchase in USDA designated rural areas. USDA property eligibility is determined by USDA rural area maps. Updated maps on the USDA Income and Property Eligibility Site at

    All properties for new applications must be located in an eligible rural area based on the new eligibility maps

    However, a property that is located in an area being changed from rural to non-rural may be approved if all of the following conditions are met:

    1. The application is dated and received by the lender prior to June 4, 2018 and the Loan Estimate was issued by the lender within 3 days of application receipt.
    2. The applicant has a signed/ratified sales contract on a property that is dated prior to June 4, 2018.
    3. Applicant meets all other loan eligibility requirements.

    Call me if you are interested in a USDA loan, or with any mortgage-related questions!

  • Loan Disclosures Explained

    April 9

    You have to sign them with every purchase or refinance, but what are loan disclosures? Basically, they are the documents we as lenders are required by law to disclose to you, many of which you sign to acknowledge. Here are a few important facts about your loan disclosures that I hope will make signing them less overwhelming. 🙂

    Two Sets of Loan Disclosures, the LE, and the CD

    1. Initial loan disclosures are those we must disclose to start your loan. Generally these disclosures inform you of the regulations we have to abide by in order to lend to you, such as the equal credit opportunity act. There are also disclosures to inform you of your rights, such as the right to receive the appraisal. What I consider the most important initial disclosure though, is the loan estimate.
    2. The Loan Estimate, or LE, contains all the important terms of your loan, including loan program, interest rate, term of the loan, closing costs and cash to close. I review this carefully with my clients to ensure they understand the important facts of their loan.
    3. Closing disclosures include all the documents we must disclose to you in order to close your loan. They include disclosures about your loan servicing, your final settlement statement numbers from escrow, and most importantly, your note (which obligates you to the loan) and deed of trust (which is records your home ownership or mortgage change with the county). You will want to keep your copy of these two documents for your records.
    4. The Closing Disclosure, or CD, is an updated version of the LE with closing terms that you receive before signing. I advise borrowers to review this disclosure carefully to ensure all terms are accurate, and as expected.

    Watch below for more, and don’t hesitate to reach out with questions!

  • 5 Simple Steps to Loan Closing

    March 12

    After the home you want to purchase is under contract, or you’ve decided to move forward with a refinance, what happens to your loan? I’ve broken the loan process out into 5 simple steps to loan closing. I aim to take the guesswork out of what happens to your loan application when you’re ready to proceed.

    5 Simple Steps to Loan Closing

    1. Initial Disclosure Signing: I prepare and have you sign everything I must disclose to you in order to start the loan process. This does not obligate you to accept the loan. We can lock in your interest rate at this time, or wait until a more favorable time. I also collect the documents needed from you to process the loan at this time.
    2. Prepare for Underwriting: Your loan processor  works with me to move your loan through the loan process. S/he will review your loan to check for any missing items we need to request. The processor also orders the appraisal, verification of employment, tax transcripts, and other required items for underwriting.
    3. Initial Underwriting Approval: The underwriter is the person who decides if your loan application meets the guidelines of the agency or investor of the loan. On a conventional loan, that’s Fannie Mae or Freddie Mac. On an FHA loan that’s the Federal Housing Administration, etc. If your application meets guidelines the underwriter will approve your loan with conditions. These are the additional items required to close your loan. Your loan processor or I will request them from you. 
    4. Final Underwriting Approval: When we have your conditions, and the appraisal, back, we can submit for final underwriting approval. At this stage the underwriter says your loan is approved to close. This is also the stage where we must lock your interest rate in. Then we disclose a closing disclosure to you.
    5. Loan Closing: Three days after your closing disclosure goes out, your final loan documents can be signed. This is where you go into your escrow office to sign the ‘big stack’ of final documents, obligating you to the loan. Typically one day after you sign, we fund on the loan. This happens after a review by our funder to ensure everything required is in the loan file. Once we fund, or send the money for your loan to escrow, the deed of trust you signed will be sent to your county for recording. Once recorded, you own the home, or a new lender is on record if you refinanced.

    If you have questions about the loan process you can ask me at any time! Quick and clear communication is one of the cornerstones of my business. Watch below for more!



  • Three Important Truths About Interest Rates

    March 5

    One question clients always want the answer to is “what’s my interest rate?” The answer to that depends on a variety of factors. To help you understand how interest rates work, my latest Mortgage ABC’s video features three important truths about interest rates.

    Three Important Truths about Interest Rates

    1. Interest rates quoted on the internet do not necessarily reflect “today’s rate” for your loan scenario. They also do not typically disclose the cost for the interest rate advertised, which is often times exorbitant.
    2. Interest rates change daily. The interest rate you’re quoted any given day expires that day unless you lock in. Also, you must get lender quotes the same day to compare apples to apples.
    3. There is more than one rate option daily. Lenders actually work off of a rate sheet and can offer multiple rate options depending on what you want to pay.

    As always, I highly recommend shopping for your lender, instead of your interest rate. A lender that is looking our for your best interests will wait for an opportune time to lock your rate in, and will explain all your options so you can make an informed decision.

  • The Mortgage ABC’s: Closing Costs

    January 2

    In every transaction I get the question, “what are my closing costs?” First, it’s important to note, every transaction, be it a purchase or refinance, has closing costs.  There are no loans without closing costs because there are many parties that work on your loan in order to provide the necessary requirements to close it. It’s a mortgage professional’s responsibility to disclose these costs to you, although many of the costs are from third parties. With that foundation, I’d like to share what I believe are the three most important facts about closing costs.

    Three Important Facts About Closing Costs

    1. Closing costs and pre-paids are often lumped together, but there is a fundamental difference. Closing costs are services you pay for in conjunction with your loan, and pre-paid items are items you must pay at close that you would have paid regardless, such as property taxes, homeowner’s insurance, and pre-paid interest for your mortgage.
    2. On a purchase, closing costs and pre-paids can be paid by you, paid by your rate, or paid by the seller. Because you do not yet have equity, there is no option to roll closing costs into the loan. On a refinance, it is possible to roll closing costs into your loan, and even come to close with nothing out of pocket, provided you have the equity to do so.
    3. Some closing costs can change, some cannot. Lender fees and third party fees you cannot shop for, such as appraisal or credit report, cannot change. Other third party fees, such as title and escrow, can change within a 10% tolerance. Pre-paids are completely variable because they are based on the time you close. For example, if taxes are due the month after you close, those will be collected at closing, but if they were just paid, less taxes will be collected at closing.

    Total closing costs and pre-paid items will vary from loan to loan based on a variety of factors. The important thing is you have a mortgage professional you can trust who disclose accurately from the beginning, review your costs and pre-paid items with you in detail, and be forthright and transparent when anything changes. My clients can always expect this of me. See below for more, and if you have questions about closing costs, don’t hesitate to contact me!