About RJ Bennett

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice. I have the knowledge you need to explore the many financing options available.

Having lived in the Pacific Northwest for over 25 years, I know the ins and outs that make this magnificent part of the world so unique. Growing up in Southwest Washington, I have had the privilege to call Whatcom County home since 2008. This has given me a well-rounded perspective of our beautiful state that extends the I-5 corridor. With over 15 years of experience in the business/customer service world, my clients are my number one priority. My goal is to give both real estate agents and home buyers the kind of service that exceeds expectations and to create life-long happy clients. Homebridge’s lending approach complements the relationship between agents and buyers, making the home buying experience great for both parties.

Take a moment to see what others have said about me or jump right into the pre-qualification process by clicking the apply now button below. I look forward to working with you.

For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

William Woodrum - Teacher - Bellingham High
“RJ is a problem solver and continues to find all options that might be possible to make the loan work for his clients. Additionally, he is always in the client’s corner. You are lucky if RJ is your loan officer. -Will Woodrum”
Amanda Weller - Customer
“I am so happy RJ Bennett was recommended to us for our Mortgage Loan needs. He made the process of being a first time home buyer far less scary than other loan officers we had worked with up to this point. Not only did he come to the conversation with knowledgeable options and a positive attitude, but he also worked tirelessly to get us the best possible loan to meet our needs, and never gave up on us despite several complications that arose during our underwriting process. I will be using RJ again, and recommending him to everyone I know in the market to buy a home!”
Brandon Blakley
“This was my first purchase and it was a multifamily, which makes things a little more complicated. RJ was attentive and informative whenever I had questions and kept me updated on each detail throughout the process. He was very understanding of the fact that I was learning the processed and gave me great direction along the way. He earned my trust early in the process and now that it is complete I have no doubt that I made the right decision. I will be contacting RJ for future purchases. ”
Adam Dickson
“RJ did a fantastic job helping us with our mortgage. The whole process was as smooth as I could have hoped for. He was always available to talk about all our options as well as give advice on where he thought interest rates were going. I would highly recommend working with RJ. ”
Jackson Phillips - Home Buyer
“RJ was the loan officer for my wife and I for our first home purchase. He was incredibly helpful every step of the way, and we felt entirely comfortable with the process because of him. His ability to explain all of the nitty gritty details in plain English was so useful, and allowed us to remain excited for our new home without the stress of the unknown that so many buyers feel during their first home purchase. I couldn't recommend RJ and Homebridge highly enough.”
Lucas Hendrickson - Green Coffee
“I’ve always trusted RJ and am glad to be able to trust him with my home mortgage as well. He is timely, honest, and has our best interests in mind. Some small hiccups were easily thwarted by RJ and his professionalism and we are excited to continue our relationship with him, both in friendship and in business.”
Luke Melton
“We are first time home buyers and RJ made this crazy process simple for us and as stress-free as possible. He was ready for all of the questions we had and explained everything we needed to know clearly and easy for us to understand. RJ is friendly, professional and easy to talk to. You can honestly tell that he cares about what he does and that he wants the best for you. We will be recommending RJ to friends and family for sure!”
Cody Stacy - Realtor
“I've had the pleasure of partnering with RJ on several transactions. They've always gone smoothly, closed quickly, and he's been creative in getting the deal done when it comes to crunch time. His communication is top notch, he has a high level of care and integrity and is extremely knowledgable in the Mortgage industry and he translates that well to his clients - creating a high level of comfort and ease in the Real Estate Transaction. He truly raises the level of standard. ”
Brady Bauthues
“I’m a first time home buyer and RJ made the process very easy for me and was very helpful. ”
Misty Farrell - Misty Farrell
“RJ was so organized, easy to work with, and downright a great guy! He helped us understand the process and worked with us on financial options that were right for us. If RJ hadn’t answered my phone call at 4:45pm on a Sunday, our dream house would still only be a dream. I absolutely recommend RJ and Homebridge to anyone who wants quality and local service!”
Aamber wasisco
“RJ Bennett did such a wonderful job getting us into our forever home. Getting financing for our dream home seemed nearly impossible and he made it happen. Buying a home is always a stressful process and his personality and expertise made it a breeze.”
Nicholas Ward - Technical field support
“RJ did a fantastic job at getting us the perfect home in downtown Bellingham. It sure was a battle but every time RJ was there to help us out and get the perfect loan for us! Felt like a friend who happens to know every inch of loan work and always helped. Thanks RJ for all the hard work!”
Eli
“Recently the opportunity came up to buy the house I was renting. Due to the timing, there were several challenges that would make the process a little more difficult than normal. RJ was recommended by a co-worker who he helped with another challenging lending situation so I figured he would be the perfect person to help in my situation. RJ immediately took on the challenge and never wavered in his belief that we would be able to work through all the obstacles to me purchasing the home. With a little creativity and a ton of tenacity, RJ worked through the complications and was able to help me realize my dream of owning a home again! ”
Kyle van der Velde - Realtor
“I have worked with RJ both personally and professionally. On both fronts, he does amazing work! When buying my personal home, the process was very smooth. RJ worked hard to get my not so straightforward 1099 financing all organized and we closed on our first home without any of the stress that can commonly be associated with buying a home. RJ is also fantastic at closing loans that aren't super straightforward. He has saved multiple tough deals, that weren't looking like they were going to be possible before he was involved. Whatever type of borrower you are, RJ is going to do a great job!”
Brennen Brown - Real Estate Broker
“I feel very comfortable sending my clients to RJ. He is ambitious, and eager to get the job done. There was a deal that had some surprises come up, but RJ was able to work things out and keep myself and my client informed throughout the process. Thank you”
Max Burrage - Realtor
“RJ has always impressed me with a high degree of professionalism, timely communication and an excellent attitude. Certainly a go-to guy in Whatcom County for all things mortgage.”
TJ & Mackenzie G.
“Outstanding and incredibly helpful. The process was flawless and stress-free! RJ carries himself with the upmost professionalism while maintaining a friendly relationship. He was readily available and had all of the answers and supportive influence. You are the man!”
Sarah Cornwel - Real Estate Broker
“I am a realtor in Whatcom County and have used him for multiple transactions. He is INCREDIBLE! My clients love him, he is incredible at explaining the process, and a great communicator. He bends over backwards to make sure my clients get top-notch service. Not only that but he is just a great guy to be around! I highly recommend him and cannot say enough good things about him as a lender and a person! ”
Eric Harry - Counselor
“We recently refinanced our home with Homebridge Bank . Our loan officer RJ Bennett made it his job to understand our needs, pair them with current market trends subsequently helping us reach our goal. RJ presents information in a way we could understand and learn from, as a result we felt comfortable with the process and decisions made . Refinancing a home can be cumbersome as we found out by first attempting to go with a competitor. We are very pleased with RJ 's professionalism and commitment. We plan to work with him in the future and would gladly recommend his services to friends and family.”
McKenna Rector - Project Manager
“RJ was a dream to work with. We appreciated his continual insight into the market, advocacy for us to get the RIGHT house (not just any house), and expertise with the loan process. We felt well taken care of at every turn in the process and RJ was always available to connect on short notice. He spent months working closely with us and our realtors to ensure that we found the perfect home for our family! Thank you RJ!”
Joe Manfredini
“RJ is a very personable guy who will go the extra mile to help one out. He's as knowledgable as one can expect, and persistent in helping you out. He's a great loan officer. ”
Kathryn Pickett
“My fiancé and I just purchased our first home. Hooray! I received a referral from a friend to call RJ Bennett. We were a little nervous and pretty clueless to the whole home buying process. It was a HUD home, which apparently has some different steps to the process. In addition to non-traditional kind of home purchase I am also a small business owner which made it a little trickier as well. The good news was my friend was right! We couldn’t be happier with our decision to work with RJ his assistant Heather at Homebridge Bank. I personally really appreciated when I was getting busy myself at work, they stayed on me with reminders, to stay on track for all the appropriate deadlines to get it all done. RJ was great at answering all of our dumb questions in the process without making us feel bad about it. I recommend looking into process in advance. But if your dream house goes up for sale and you just jump on it before you know what you’re doing like us; rest assure he will be helpful, professional, knowledgeable, and friendly. Peppered in with a wonderful “can do” kind of attitude that really put us at ease. I would recommend RJ Bennett to anyone! Call him now if you need to finance a home purchase.”
Chad & Erika H.
“Thank you so much RJ!! You have been so helpful in all of this and we are so incredibly happy to be working with you :)”
Christopher Tucker - First-time home owner
“From the first phone call RJ was very responsive, friendly and professional. He made the process of helping me and my wife get our first home seem almost effortless and explained things very clearly. RJ was very proactive in the closing process and keeping us up-to-date every step of the way. We are very happy to have met RJ and it was a pleasure working with him in buying our house. Thank you RJ!”
Darian Parker - General Manager
“RJ came highly referred to me by our real estate agent. RJ always came with solutions to any questions that I had. He worked quickly and efficiently. Also, and probably the best thing, is that RJ is a wonderful human being. He is easy to talk to you and is truly invested into the well being of the people who works with. I highly recommend RJ for anyone's lending needs. ”
Jake Stacy - Insurance Broker
“I could not recommend RJ enough! He did an excellent job educating and advising us on our home purchase. He was also very responsive and supportive of our entire process. 10/10, Definitely recommend!”
Aaron Dickson - Husband, father of 3
“We would highly recommend RJ. We have worked with a bunch of lenders and he is by far the best we have ever used. Fantastic Man, husband and father and VERY good at helping families get into their new house!”
Shannon and Anthony Gardiner
“RJ is the best at his job! He is so attentive to details, timelines, and client needs!! We will recommend him to anyone looking for a home loan! ”
Leilonie F.
“Thank you so much for all of your help. You did an awesome job! We both felt supported and informed throughout the entire process! ”
Rex F.
“You really did do an incredible job. Thanks again for the help that was above and beyond. For our previous two mortgages we worked with a different lender who was the manager of their firm. While he was helpful and professional as well, that experience really lacked the personal connection and the frequent check-ins that you were so great with. Thanks for working so hard for us.”
Briana M.
“RJ Bennett is an amazing man! He is there for you 24/7 and has every answer you could possibly need. He makes you feel relaxed and safe. Nothing is too risky... He was great to work with... Woohoo an amazing team to help me and my husband get our dream home!! ”

Our Latest Thinking

It’s time to find the right loan for you. Tell us a little more about yourself to get started.