We are your mortgage solution for residential and commercial lending.

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Integrity Mortgage Solutions is a small, local brokerage with access to many wholesale lenders. We excel in finding just the right product to fit our clients' needs by working with each borrowers' credit and income challenges.

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Our broker, Darcie Jacobsen, started this company in the fall of 2003 after gaining extensive experience in lending and finance. Darcie worked as a personal banker, a licensed investment banker and a branch manager of a mortgage company before starting her own team. She has instilled values of honesty, hard work and persistence to make Integrity Mortgage Solutions the lender of choice for Washington & Idaho.

In a hurry?

We can close loans in as little as 3 weeks in some cases. Some of our lenders offer convenient e-signings which greatly speed up and ease the loan process.

Great credit?

We offer incredible rates with LOW mortgage insurance. Let us quote you!

Credit challenged?

Integrity Mortgage Solutions can work with you to teach you how to build and repair credit. In many cases, we can also do loans with as little as 500 scores.

Self employed?

We have access to stated income and bank statement programs.

Need a low or no down payment?

Integrity Mortgage Solutions does VA, FHA and USDA loans. 100% lending available through multiple programs or allowable gift funds.

Need a Remodel or Construction loan?

Integrity Mortgage Solutions is an experienced 203k lender and can facilitate construction and rehab loans as well.

Need a Reverse Mortgage?

If you are 62 or over and looking to use the equity in your home, we can help make your home work for you. This product is such a blessing to people who are equity rich but cash poor. Imagine receiving monthly checks from your mortgage company or never making a mortgage payment again.

Integrity Mortgage Team

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Darcie Jacobsen

Broker, Loan officer, Managing Partner

NMLS # 53701

Broker and Managing Partner-With 18 years of lending experience, Darcie is an excellent source of knowledge and has a reputation of always doing the right thing for her clients. She will work every possible angle to help you close your loan. Darcie was previously a licensed investment banker and did commodities trading for many years. In her personal life, Darcie is happily married with 4 fabulous kids. She is a yoga instructor, singer, avid skier,and has coached kids tennis, basketball & volleyball. She is also a Canadian national pickleball champion.... yes Pickleball!

Cell: 253-740-3076
Apply with Darcie

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Rebecca Scholtz

Loan Officer, Processor

NMLS 104640

Becky is a licensed loan officer in Washington and has been processing loans for many years. She is an expert at organization and detail and works with the underwriting and title to get your loans closed. Becky is also a closet concert pianist and has two amazing and beautiful kids.


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Richard Scholtz

Loan Officer, Commercial Loan Officer

NMLS # 104756

Fifteen years structuring and negotiating loans from origination to funding. Adept in Commercial finance and Residential Mortgage Banking. Prior experience marketing intangible financial services, mortgage products, and leasing and capital finance as A.V.P.  Morgan Stanley. Taught classes for the men on McNeil Island prison.  The Gov. of Washington, Ms. Gregoire ‐ recognized my 10 years of volunteer service with an award. Solicited and managed a multi‐year Google Adwords Grant for another non‐profit. A resident of Washington since 1981. Father of two daughters ‐ a school teacher and a dance instructor. Born in South Africa but now a U.S. citizen since 1987.

Apply with Richard

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Renee Thompson

Loan Officer, Processor
NMLS # 1933557

Originally from Seattle, WA, Renee Thompson is firmly planted in Edmonds, WA to be exact. You may see her out and about with her family enjoying the Edmonds waterfront or hanging out with her friends in the Edmonds (Bowl)  downtown area. With more than 15 years experience, Renee is the consummate professional always looking for creative solutions for her clients with her Broker. By staying up-to-date with the latest complexities of mortgage lending, Renee's goal is always to be the vital resource for homeowners and realtors alike.

Apply with Renee

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Joanne Rocheford

Loan Officer
NMLS #93597

Joanne Rocheford is an award winning certified mortgage planner serving home buyers and investors since 2000. Joanne was born and raised in Seattle so has a thorough knowledge of both the local real estate market and the financial markets. It is easy to see why she is successful from the first moment you speak to her. She is passionate and enthusiastic about each client she serves. Joanne is an advocate for both the first time home buyer and the investor seeking to achieve wealth through the accumulation of real estate.

Joanne graduated from Seattle University with a degree in Business Management. In addition to helping her
clients purchase homes and investment properties in Washington and Oregon, Joanne is an accomplished real estate investor herself. Joanne has the market knowledge and expertise to help her clients find the right mortgage to meet their needs. Joanne is known for her ability to help clients that weren't successful getting a home loan elsewhere and getting them approved.

206-242-0800 (Office)
866-857-6116 (Fax)

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John Miller

Marketing Manager

As our marketing Manager, John is located in Boise, Idaho and works closely with realtors and builders to establish an amazing network of professionals. John is an expert in establishing the first contact with our refinance clients to determine which product best suites their lending needs. He brings 20 years experience in home improvement and finance to work for you. John specializing in teaching people how to fix their credit and has helped hundreds of people qualify to buy a home. John firmly believes in representing the client and not the bank in order to always make sure you are getting an incredible deal that will meet your financing needs.


Endorsed Realtors

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Terry Wise

Terry Wise started his real estate career in 1985 and has since closed over 2,300 transactions. His practice is personal in its approach and unique in its diversity, helping clients buy and sell homes, raw and developed land, commercial buildings, restaurants, ranches and golf courses. Terry brings his experience in construction, contractual law, and land use to every transaction, and has trained many of the top real estate professionals in the South Sound market.

Terry is a member of the Commercial Brokers Association and serves as a Commissioner with the Pierce County Land Use Advisory. In his spare time, he enjoys woodworking, bow hunting, riding his horse, and especially spending time with his children.

Terry Wise & Associates, INC.

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Karen Carr

In today’s real estate market, you need to work with a real estate professional you can trust. I provide the absolute finest service and expertise possible. Whether you are buying or selling your primary residence, a second home, or relocating to a new neighborhood, I can help make your home ownership dreams come true. I have over 15 years experience in the Real Estate, Mortgage field, as well as working with Foreclosures, and Short Sales. My business, and life are driven by heart, you get vast experience, honesty, and someone with a conscience when working with me as your Real Estate Broker.


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Charles Smart

Charles understands that buying or selling a home is more than just a transaction: it's a life-changing experience. That's why he provides exceptional, personalized service for all his clients. He takes great pride in the relationships he builds and always works relentlessly on the client's behalf to help them achieve their real estate goals.

His team of experts represents the best and brightest in the industry, and he is always striving to lead the field in research, innovation, and consumer education. Today's buyers and sellers need a trusted resource that can guide them through the complex world of real estate. With his extensive knowledge and commitment to providing only the best and most timely information to his clients, he is your go-to source for real estate industry insight and advice.

Charles has decades of practical know-how and artful aesthetics in ways that pay off for both buyers and sellers. Before becoming a Real Estate Agent, Charles had a 30-year construction career as a framer, contractor, and builder and perfected his mediating
and negotiating skills as a small business owner. He has an eye for the possible, like the perfect way to stage a home entering the market or the potential in an otherwise-overlooked property.