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

  • 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!


  • The Seattle Area Market: Latest Trends

    December 20

    Happy holidays to one and all! Before we end 2017, I’d like to provide an update on the local market based on what I’m seeing. We’ve had a bit of a rollercoaster ride this year in the Seattle area! Depending on what your next move might be, check out the following summary, and pertinent articles, to keep yourself in the know this holiday season.

    Seattle Area Market Trends

    1. Buying: The market has evened out a bit so buyers have more of an edge. As you may have noticed this year, we have had a pretty big influx of newcomers to the Seattle area. Here’s an interesting article comparing Seattle to the other major west coast Tech Hub, San Francisco: Seattle Might Be the Next San Francisco, and inventory is still low. Overall, it may take a while to find what you’re looking for, but you can expect fewer bidding wars and more opportunity to get concessions from sellers. You shouldn’t have to worry about prices skyrocketing while you’re looking either.
    2. Selling: If you’re thinking of selling your home you can still expect to sell in a reasonably short period. Demand is still high if you are priced well. Always discuss with your professional realtor the best way to market the property. Don’t make the fatal mistake of pricing out of the market! Check out Zillow’s recent home price forecast for Seattle this next year Zillow’s Value Assessment for Seattle (5.6% growth as compared to 14.1% this past year).
    3. Refinancing: If you’re wondering if it makes sense for you, please call. Lowering the term of your loan, or getting cash out have been the most popular refinances this year. With the great increase in equity we’ve experienced, coupled with low interest rates, you couldn’t pick a better time. Call me if I can help you or someone you know. Your refinance analysis is always free!
    Home for the holidays
  • The Mortgage ABC’s: Refinances

    December 4

    “Do you do refinances?” is a question many clients ask. Yes I do! What is a refinance? Refinance means, literally, to “finance again.” If you finance your home with a purchase loan, you replace it when you refinance. Below are the most common reasons to refinance.

    The Most Common Refinances

    • Lower the interest rate and monthly payment on the loan
    • Remove mortgage insurance
    • Lower the loan’s term in order to pay it off faster and reduce over interest
    • Consolidate debt, or take cash out for home improvements
    • Remove a borrower from the loan, such as in a divorce situation

    Clients often time have the opportunity to accomplish several of these goals at once. I’ve had clients reduce their term, pay off debt, remove mortgage insurance, and lower their interest rate, all in one transaction! Contact me at any time if you’d like a free mortgage analysis of your current loan, or have general questions about a refinance!

  • The Mortgage ABC’s: Loan Programs

    November 20

    “What loan programs are available to me?” This is a question I often get from borrowers when they are shopping for a new home, or thinking about a refinance. The answer depends on many variables. Below is a summary of current loan program options available in today’s market.

    Loan  Programs Overview

    1. Conventional Loans are available for primary residences, second homes, and investment properties. Conventional loans offer down payment options. Mortgage insurance is required for down payments less than 20%.
    2. Government Loans are available for primary residence only. Low or no down payment options, and mortgage insurance is required, except on VA loans.
    3. Portfolio Loans are held by individual lenders and are available for primary residence, investment loans, and sometimes second homes. Higher down payment and credit scores are typically required.

    For the full scoop, check out my video below!

  • Mortgage ABC’s: How to get Pre-approved

    October 23

    “How do I get pre-approved?” is probably the most common question I get from new clients. In the first of my “Mortgage ABC’s” video series I answer this very question. Contrary to the myth, getting pre-approved doesn’t require a mountain of paperwork, or a lot of time. A pre-approval can be done in three simple steps, typically in less than 24 hours!

    3 Steps to get Pre-Approved

    1. Complete a loan application online, in person, via email, or over the phone
    2. Pull a credit report. I will call you to do this after I receive your application.
    3. Verify income. This can be done with one pay stub if you are a salaried.


    For more, check out my video blog below!