Meet Troy, your partner in
smart homeownership.
Most lenders hand you a rate and send you on your way. I hand you a strategy, one built around where you're going, not just where you're starting.
I specialize in helping Washington homeowners buy their next home before selling their current one — a strategy most loan officers either don't offer or don't fully understand.
From the firehouse to the closing table
Before I ever reviewed a loan file, I spent years as a Seattle Firefighter, showing up when people needed someone steady, capable, and calm under pressure. That chapter didn't just shape who I am as a person; it shaped how I work. I still show up the same way.
That same discipline carried me into finance, where a degree in Finance and Economics gave me the analytical foundation to read markets the way others can't. And I didn't wait to put it to work. I purchased my first rental property while still in college, a decision that launched a lifelong commitment to understanding real estate from the inside out.
Today, that same instinct for showing up when it matters is how I work with clients, as a mortgage advisor serving homebuyers and investors throughout the greater Seattle area from my base in Bothell.
Today, one of my primary areas of focus is helping Washington homeowners navigate the buy-sell timing problem — buying their next home before selling their current one using bridge loans and equity-based programs that most lenders don't offer. If you own a home and want to move up without the contingency, the double move, or the stress of a staged house on the market for 90 days, that's a conversation I know how to have.
"My goal is to make you feel comfortable, not just with the loan process, but with the strategy behind it. When you have the right information, you can make great decisions."
"As a first-time homebuyer, I was very intimidated by the mortgage process. Troy Gamble took the time to answer every question and guided me through the pre-approval step-by-step. I couldn't have asked for a better local lender."
Jessica L., Bellevue, WAA mortgage isn't just a number.
It's a financial decision.
I don't think of myself as someone who sells loans. I'm an advisor who happens to be licensed to originate them. The distinction matters, it changes every conversation I have with a client.
I monitor the Mortgage-Backed Securities market closely, which means I can tell you the right moment to lock your rate, not just hand you whatever the daily sheet says. I have a personal portfolio of investment properties across multiple markets, so when I talk about the investor mindset, it's because I live it. And by keeping underwriting, processing, and funding all under one roof, I control the timeline instead of hoping everyone else keeps up.
In-house from start to close
Underwriting, processing, and funding handled internally, so your timeline stays on track.
Consultative Mortgage Advisor
A consultative approach that fits your home loan into your complete financial picture.
Rate lock timing you can trust
I watch MBS markets so I can tell you exactly when to lock, and when to hold off.
An investor who gets investors
With a personal portfolio across several markets, I understand the numbers behind the numbers.
Buy before selling specialist
Most homeowners assume they have to sell first. I've built a specific practice around helping move-up buyers skip that step — using bridge loans and equity unlock programs so they can buy on their terms, then sell when the time is right.
NMLS #40183 · Licensed in WA, OR, CA, ID, NV, AZ, FL
Let's build your strategy.
Whether you're buying your first home or your fifth investment property, I bring the same level of care and expertise to every conversation. Start with a consultation and find out what a real mortgage plan looks like.