Private financing for The Dakotas
Exact payment + cash-to-close for The Dakotas in West Seattle — itemized, private, and no pressure.
I’ll prepare a clean, itemized financing snapshot for any of the three homes — including payment and cash-to-close — so you can compare options before you make an offer.
Request my private snapshot
Clear cash-to-close + payment breakdowns before you offer
Wholesale pricing with transparent, itemized fees
Have a competing quote? If terms are equal and we lock the same day, I’ll provide a $1,000 lender credit toward allowable closing costs.*
*Equal terms required (including down payment and escrow waiver as quoted) and locked same day. Credit applies to allowable closing costs/prepaids only (no cash back). Subject to qualification and guidelines.
Private + optional. Not shared with the listing team unless you ask. No credit pull unless you request it.
On-site QR codes link directly to each home’s financing page.
Private Client Wholesale Advantage
Wholesale pricing with transparent, itemized fees.
Optional — explore first, customize if you want
Lance Morgan
Senior Loan Officer
New construction specialist
NMLS #742281 | WA, OR, AZ & FL
25+ years in lending. New-construction specialist.
Exact, itemized numbers—private and no pressure.
What you get
Exact payment + cash-to-close, itemized
Choose your rate — no-points pricing or points to buy down
Escrow waiver available (if qualified) - Pay your own Taxes & Ins.
No separate underwriting or processing fees — just standard third-party fees, title/escrow, and recording charges
If The Dakotas isn’t the one, I can still run the numbers and help you finance the right home — same private, no-pressure approach.
Email-only or text-first is fine — you choose.
Private + optional: not shared with the listing team unless you ask. No credit pull unless you request it.
The Dakotas — A Trio of Modern West Seattle Residences
THOUGHTFUL BUILDING + INTENTIONAL DESIGN
A boutique micro-community with bright interiors, rooftop-ready decks, and attached garages—minutes to Alki, Lincoln Park, and California Ave dining.
Introducing The Dakotas by MRP Inc., created in collaboration with Dwell Development and Bardon Design Build. Every detail is designed with purpose — open, light-filled spaces, thoughtful floor plans, and a balance of style and privacy. Elevated finishes and clean modern lines create a sophisticated home base in one of Seattle’s most livable neighborhoods.
Rooftop decks designed for entertaining (hot-tub ready)
Refined modern finishes—stone counters, custom cabinetry, floating stairs
West Seattle lifestyle—minutes to Alki, Lincoln Park, and California Ave dining
WHOLESALE MORTGAGE MARKETPLACE
Choose Your Home
4100 37th AVE SW
SEATTLE, wa 98126
$1,450,000
4 BED - 4 BATH - 2,212 SQ FT
HOA DUES $128/MO, Not in payment
Payment Excludes: Taxes & Insurance
No Processing or Underwriting, conditions may apply.
3619 SW DAKOTA
SEATTLE, wa 98126
$839,000
2 BED - 2 BATH - 1,056 SQ FT
HOA DUES $128/MO, Not in payment
Payment Excludes: Taxes & Insurance
Low Mortgage Insurance, conditions may apply.
3619 SW DAKOTA
SEATTLE, WA98126
$799,000
3 BED - 3 BATH - 1,124 SQ FT
HOA DUES $49/MO, Not in payment
Payment Excludes: Taxes & Insurance
No Processing or Underwriting, conditions may apply.
*All financing options assume: All payments shown are estimates only (assume 760 FICO), not a commitment to lend or extend credit. Rates and annual percentage rates (APRs) change frequently and depend on your credit profile, loan program, property taxes, insurance, HOA dues, and other factors. Subject to underwriting approval and additional terms and conditions.
Contact the exclusive listing brokers
Chris R. Austin
Broker | Commercial Specialist
Margo Snow
Designated Broker
Windermere Real Estate Midtown | Green Lake
Your Seattle-based financing partner
'The Dakotas by MRP Inc. is presented with two expert listing agents and a dedicated mortgage partner, so you can ask both property and financing questions in one seamless experience.
Side-by-side breakdowns for all 3 homes
Guidance on down payment strategy
Clear estimated closing costs before you commit
Fast digital docs and e-sign when you are ready
Disclaimers: All payments shown are estimates only, not a commitment to lend or extend credit. Rates and annual percentage rates (APRs) change frequently and depend on your credit profile, loan program, property taxes, insurance, HOA dues, and other factors. Subject to underwriting approval and additional terms and conditions.
Talk through your options
Prefer a quick conversation before filling anything out? Reach out directly and we’ll build a plan around your timing, budget, and target monthly payment.
Lance Morgan
Senior Loan Officer · NMLS #742281
425.478.6412
l[email protected]
Get customized numbers specific to your scenario. Quick. Simple. Transparent.
Common questions
These are the most common financing questions buyers ask before requesting a private snapshot.
Can I get a payment and cash-to-close estimate before making an offer?
Yes. I can prepare a private financing snapshot for any of the homes at The Dakotas so you can review estimated payment, cash-to-close, and loan options before you write an offer. These examples are for planning purposes and can be tailored to your down payment, credit profile, occupancy, and closing timeline.
How much are the property taxes?
As common with most new construction the county has not yet assessed the property in it's new and improved state. If you are obtaining a loan a lender will estimate and qualify you on an estimated property tax rate. Based on King County's 2026 levy rate and code. The code for these properties is 0010 and per King County's 2026 levy rate it is $9.90845 per thousand of tax assessment.
Lender Estimated Taxes:
$1,450,000 / 1,000 = 1,450 x 9.90845 = $14,367.25/yr or $1,197.27/mo
$839,000 / 1,000 = 839 x 9.90845 = $8,313.19/yr or $692.77/mo
$799,000 / 1,000 = 799 x 9.90845 = $7,916.85/yr or $659.74/mo
What title and escrow costs are being used in these examples?
Yes. For this project, the example financing snapshots use Chicago Title & Escrow estimates for title, escrow, and related recording charges. Final settlement costs may vary depending on the property selected and final closing details. Such fees were generated from the online calculator found at: Chicago TItle Fee Calculator
Do I have to use O C Home Loans to buy one of these homes?
No. You are not required to use me as your lender. My role on this page is to give buyers a clear, itemized financing option so they can compare scenarios and make a more informed decision. If you’d like, I can prepare a private side-by-side snapshot for the home you’re considering.
Will this affect my credit?
Not just by reviewing example numbers or requesting a general financing snapshot. I can provide planning estimates and discuss options without pulling credit. A credit report is only needed if you decide you want a full preapproval or more exact loan qualification.
Lance Morgan
STATES LICENSED
LEGAL
Disclaimer: This is not a commitment to lend. Rates and terms are subject to change without notice and are subject to qualification.
Complaints may be directed to (888) 949-9624 or emailed to [email protected]
© Copyright 2026. OC Home Loans - Lance Morgan. All Rights Reserved.
© 2026 OC Home Loans NMLS 1842513. Headquarters: 24302 Del Prado Suite B Dana Point, CA 92629. 888-949-9624 | OC Home Loans is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.