# HHL Group – Spokane Mortgage Lender | Home Loans & Refinancing

> Mortgage and Home Loan Services in Spokane & Spokane Valley, WA

Site: https://www.hhlnorthwest.com/
Generated: 2026-07-11 by CiteWP

## Pages

- [Loan Finder](https://www.hhlnorthwest.com/loan-finder/): Get a custom Mortgage Quote from one of the Inland Northwest's most trusted mortgage lenders. Find out how we can earn your business today!
- [Get My Quote](https://www.hhlnorthwest.com/get-my-quote/): Get a custom Mortgage Quote from one of the Inland Northwest's most trusted mortgage lenders. Find out how we can earn your business today!
- [Compare Rates](https://www.hhlnorthwest.com/compare-rates/): [vc_row type="full_width_background" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" c…
- [Licensing](https://www.hhlnorthwest.com/disclosure-and-licenses/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [Sitemap](https://www.hhlnorthwest.com/sitemap/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [Tony Byrne](https://www.hhlnorthwest.com/tonybyrne/): In 2019 I was named one of the Top Military Loan Originators by National Mortgage Professional Magazine. I would be honored to be your Lender for Life!
- [Purchase](https://www.hhlnorthwest.com/purchase/)
- [Jumbo](https://www.hhlnorthwest.com/jumbo/)
- [Ty Windhorst](https://www.hhlnorthwest.com/tywindhorst/): I approach every situation with the utmost respect, honesty, and integrity that my clients rely upon and trust! I look forward to serving you and obtaining your goals.
- [Todd Phenneger](https://www.hhlnorthwest.com/toddphenneger/): Whether someone is buying their first fixer upper for under $100,000 or buying their dream lakefront home for 1 Million dollars, I treat every situation and individual as unique. The only commonality is my service, excellent communication and honest up-front attitude.
- [Brad Patshkowski](https://www.hhlnorthwest.com/bradpatshkowski/): Brad Patshkowski has been lending in Spokane and Eastern Washington and Idaho since 2006. He has closed hundreds of Purchase and Refinance loans for your friends, family, and neighbors.
- [Glossary](https://www.hhlnorthwest.com/glossary/): Have questions about Mortgage Terms? We have a complete list of terms and definitions to help you towards your dream of home ownership.
- [ADA Accessibility Statement](https://www.hhlnorthwest.com/ada-accessibility-statement/): HHL Group, hereafter (“HHL Group”, “we”, “us,” or “our”), is committed to providing a website that is accessible to all its customers and compliant with acce…
- [DSCR Loans](https://www.hhlnorthwest.com/dscr-loans/): Discover how DSCR loans help investors qualify based on rental income—no tax returns needed. Download our free DSCR Playbook and start scaling today.
- [Debt Consolidation Refinance](https://www.hhlnorthwest.com/debt-consolidation-refinance-2025/): Explore how debt consolidation refinance can simplify your finances and reduce monthly payments with HHL Group's expert guidance.
- [Loansaver](https://www.hhlnorthwest.com/loansaver/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [Who We Are](https://www.hhlnorthwest.com/about-us/): HHL Group is made of people who care about our community-members and give thoughtful advice on their entire financial wellbeing.
- [Mortgage 101](https://www.hhlnorthwest.com/mortgage-101/): Learn More about the Mortgage Process, loan programs, tips and tricks, and much more about the real estate industry.
- [Frequently Asked Mortgage Questions](https://www.hhlnorthwest.com/frequently-asked-mortgage-questions/): Find answers to the most requested mortgage questions, and learn more about the loan process, so you are prepared to purchase your next home!
- [Texas Disclosure](https://www.hhlnorthwest.com/texas-disclosure/): NOTICE TO TEXAS CONSMERS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR …
- [Jeff Guillen](https://www.hhlnorthwest.com/jeffguillen/): Jeff Guillen is a Mortgage Advisor with HHL Group in Dalton Gardens, ID. Call Jeff for more information on loan programs he can provide for your next purchase or refinance.
- [Connie Tucker](https://www.hhlnorthwest.com/connietucker/): Connie Tucker is a Mortgage Advisor in Dalton Gardens, ID. Give Connie a call for more information on the loan programs she can provide for you!
- [Expanded Credit](https://www.hhlnorthwest.com/expanded-credit/): We offer many loan programs for borrowers that can't find financing anywhere else. Our Expanded Credit Programs include, Bank Statement Qualifying, DSCR for Investment Properties, and Asset Qualifying. Reach out to learn more!
- [Tracy Windhorst](https://www.hhlnorthwest.com/tracywindhorst/): I have been in the mortgage origination industry for 26 years and finally in 2012 I took the leap of faith after working for banks and larger mortgage companies my whole life and went into an ownership position with my brothers at HHL Group.
- [Tim Windhorst](https://www.hhlnorthwest.com/timwindhorst/): HHL Group and I are committed to the same things. We solve problems and find answers through persistence, a strong work ethic, and an absolute commitment to honesty and excellence in customer service.
- [FHA](https://www.hhlnorthwest.com/fha/): FHA Loans provide low down payment options, as well as flexible guidelines for borrowers with lower credit scores. Call us today for more info 509-252-4000!
- [Refinance](https://www.hhlnorthwest.com/refinance/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [First Time Homebuyer](https://www.hhlnorthwest.com/first-time-homebuyer/): Make your first time home buying experience fun and stress free! We offer popular loan programs perfectly suited to cater to the needs of a first time home buyer.
- [FHA Streamline Refinance](https://www.hhlnorthwest.com/fha-streamline-refinance/): As of January 26th, 2015, FHA will lower their Annual Mortgage Insurance making an FHA Streamline Refinance beneficial for millions of current FHA home owners.
- [Employment](https://www.hhlnorthwest.com/employment/): We are always looking to grow our team to be the number one Mortgage Lender in the Spokane area. Checkout Positions available in Spokane & Coeur d’Alene locations.
- [Free Homebuyer Guide for First Time Buyers](https://www.hhlnorthwest.com/homebuyer-guide-first-time-buyers/): Download your Free Guide to learn Step-by-Step how to buy your first home. Don't let fear prevent you from realizing the American Dream. Download Today!
- [Legal](https://www.hhlnorthwest.com/legal/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [Privacy Policy](https://www.hhlnorthwest.com/privacy-policy/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [Contact Us](https://www.hhlnorthwest.com/our-team/contact-us/): Having questions regarding Purchase or Refinance? Our dedicated staff members are here at your rescue! Contact us @ 509-252-4000 and we will take care of you!
- [Blog](https://www.hhlnorthwest.com/blog/): How to craft the perfect house? How to increase home value for appraisal? Read these & many such informative articles from experts to ease your home buying & selling transactions. Checkout our blogpost online!
- [Our Team](https://www.hhlnorthwest.com/our-team/): Buying your first home can be very confusing. Our friendliest, hardest working, experienced loan team have the knowledge to get your loan done fast, without added stress. Call @509 252 4000!
- [Calculators](https://www.hhlnorthwest.com/calculators/): Calculate the monthly payment for your next home using our mortgage payment calculator or speak to one of our qualified mortgage consultants at 509-252-4000
- [Test](https://www.hhlnorthwest.com/test/): [vc_row type="in_container" full_screen_row_position="middle" column_margin="default" column_direction="default" column_direction_tablet="default" column_dir…
- [VA](https://www.hhlnorthwest.com/va/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide…
- [USDA](https://www.hhlnorthwest.com/usda/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide…
- [Conventional](https://www.hhlnorthwest.com/conventional/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide…
- [Receptionist](https://www.hhlnorthwest.com/receptionist/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3"][vc_column c…
- [Office Manager](https://www.hhlnorthwest.com/office-manager/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3"][vc_column c…
- [Loan Partner II (Licensed)](https://www.hhlnorthwest.com/loan-partner-licensed/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3"][vc_column c…
- [Loan Partner](https://www.hhlnorthwest.com/loan-partner/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide…
- [Loan Officer](https://www.hhlnorthwest.com/loan-officer/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide…
- [Loan Processor](https://www.hhlnorthwest.com/loan-processor/): [vc_row type="in_container" full_screen_row_position="middle" scene_position="center" text_color="dark" text_align="left" overlay_strength="0.3" shape_divide…
- [Loan Programs](https://www.hhlnorthwest.com/programs/): HHL Group offers a comprehensive list of loan programs for purchase and refinance. Let our experienced loan officers assist you with their knowledge: 509-252-4000
- [HHL Group – Spokane Valley Home Loan Center](https://www.hhlnorthwest.com/): HHL Group is an independent Home Loan Lender, with all the technology of a national Lender, with local service from our experienced staff.

## Posts

- [Cash-Out Refinance: Unlocking the Power of Your Home’s Value](https://www.hhlnorthwest.com/mortgage-101/cash-out-refinance/): Discover the benefits of a cash-out refinance for home improvements, debt consolidation, and more. Take the next step and apply today!
- [A Complete Mortgage Guide for First-Time Homebuyers](https://www.hhlnorthwest.com/mortgage-101/mortgage-guide-first-time-homebuyers/): Navigating your first home purchase? Dive into our comprehensive mortgage guide packed with essential insights for first-time homebuyer success.