apilger@houseloan.com
253-214-7031
Aaron Pilger
Buying a home or exploring a refinance? Connect with Aaron to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Aaron
Aaron Pilger is a seasoned Mortgage Loan Officer, U.S. Navy veteran, and passionate advocate for homeownership. With more than 10 years of mortgage lending experience, Aaron specializes in helping homebuyers and homeowners navigate financing with confidence through education, transparency, and personalized guidance.
He believes that buying a home shouldn't require perfect credit, a massive down payment, or a confusing process. His mission is to make mortgage financing approachable while building lifelong relationships with the families and communities he serves.
Outside of mortgage lending, Aaron is a proud husband, father of two, youth baseball coach, and woodworking enthusiast.
What clients say about Aaron
I’ve worked with Aaron Pilger for years, both on my own investment transactions and for many of my clients as a real estate broker here in Washington. He’s simply one of the best in the business. What stands out most is how attentive and solution-oriented he is. While other lenders get stuck or say “it can’t be done,” Aaron digs in and finds creative ways to make deals work. He’s impeccable in his follow-through, completely honest, and gets loans closed on time. His team is fantastic too — responsive, professional, and a true extension of his service. One situation that really sealed it for me: I had a buyer whose original lender completely dropped the ball and couldn’t get the loan done. I referred the client to Aaron, and within a very short time he identified exactly what needed to happen and closed the deal smoothly. That kind of quick thinking and reliability is rare. Aaron is also genuinely friendly, incredibly sharp, and always up to speed on the latest regulations and available loan programs. He makes the whole process less stressful for everyone involved. Whether it’s a primary residence, investment property, or more complex transaction, I know I can count on him. I will definitely continue sending my clients (and doing my own deals) with Aaron. If you’re looking for a lender who truly has your back, look no further.
This was our first time buying a home so we had little knowledge on how to go about it successfully. Aaron walked us through EVERY step and is an awesome educator. Very quick to work with our realtor and went out of his way to make things perfect. This was a huge deal for our family and not once did we feel stressed or worried when dealing with the financial side. We are truly blessed and forever grateful. We highly recommend Aaron and will be returning for all future transactions. Gratefully, G. 'Ohana
Aaron helped us to navigate a refinance and ensure we understood everything we were signing and what the expectaions were through the whole process. He was very communicative which helped my wife and I feel at ease with the process. If i need to purchase or refi again i would use Aaron, i have also refered friends to him.
My wife and I have known Aaron for many years and when we were finally ready to buy our first home he was our obvious choice to ask for help. He bent over backwards throughout the process and helped us decide on the best mortgage for our situation. He is extremely knowledgeable, intelligent, resourceful, and caring. Overall he is a very competent professional. We didn't try and micromanage him, trusted his judgement, and we went from getting a pre-approval letter to closing on our first home in 23 days and ahead of schedule. If you are considering buying a home, Aaron will take excellent care of you.
Aaron Pilger and Cornerstone were the height in professionalism and prompt work. They got our closing done in 30 days which is unheard of around here. No waiting and repeat of paperwork. Aaron was so professional and personable. He was always positive and reassuring. I would recommend Aaron Pilger and his company to anyone.
Aaron was exceptional at communicating with me throughout each step of the process. Well done!
Aaron Pilger is very energetic person, outspoken, very knowledgeable, and customers pleaser.
Let’s connect
Contact Aaron
Share a little about your plans and how to reach you.
Office locations
Suite 104
Covington, WA 98042
Suite 700
Houston, TX 77027
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Aaron today.
