Kennewick, WA
First-time buying in Kennewick, WA? Start here.
Conventional, FHA, first-time-buyer programs sized to Kennewick budgets — matched to your Kennewick file, from Southridge to every corner of Kennewick.
Who can help me get a mortgage in Kennewick, WA?
Choice Home Mortgage can. We arrange Kennewick home loans through licensed partner brokers in Washington and coordinate each Kennewick file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For Kennewick, FHFA's 2026 one-unit limit is $832,750 (Benton County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Kennewick home loans, the honest version.
Kennewick anchors the Tri-Cities metro alongside Richland and Pasco, where a diversified economy of federal research (Hanford), agriculture, and wine-country tourism has produced steady appreciation well below state coastal averages — one of the few WA markets where a conventional purchase prices under the baseline limit.
Those Kennewick realities set the strategy. The 2026 conforming number for Kennewick buyers in Benton County is $832,750 — the baseline every Kennewick file starts from. That $832,750 ceiling covers most Kennewick price points — conventional, FHA, down-payment-assistance all stay on the Kennewick table. Kennewick’s price tier is entry-level. FHFA sets these limits annually; run your scenario by us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Some 76,000-plus people live in Kennewick — Southridge, Downtown Kennewick, and between — a short drive from Pasco or Richland. Ask us about Kennewick blocks near the Columbia River waterfront and Columbia Park — that’s the level we work at. We finance homes across Southridge, Canyon Lakes, Badger Mountain South, and Downtown Kennewick — and every other corner of Kennewick. No drive needed in Kennewick: licensed partner brokers originate Kennewick loans, we coordinate them by phone and online, and our read on the Kennewick market comes with it. Of the 28 Washington cities we serve, Kennewick plays by its own numbers — that’s the point: the Kennewick file, not a state template.
What working with us looks like.
Kennewick, block by block
From Southridge, Canyon Lakes, Badger Mountain South to the Columbia River waterfront and Columbia Park, we track what Kennewick homes really cost and which loans carry them.
First-time & assistance
We open most Kennewick files with conventional, FHA, first-time-buyer, then layer in whatever down-payment help your Kennewick numbers qualify for.
We shop; you choose
Your Kennewick file gets shopped across many lenders — a broker working Kennewick, not one bank's sales desk.
Direct to the owner
Esther Buede, the owner, coordinates your Kennewick loan start to finish; our Google reviews show Kennewick buyers why that matters.
Kennewick's file, coordinated by the owner.
Your Kennewick file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Kennewick, Canyon Lakes included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“Esther Buede was a breathe of fresh air to work with from starting to the finish line!”
Matched to your Kennewick purchase, not a template.
Around the Columbia River waterfront and Columbia Park, conventional remains the workhorse of Kennewick lending. For Kennewick we lean on conventional, FHA, first-time-buyer through our licensed partner-broker network — but whatever fits your Kennewick file, we shop it: non-QM, FHA financing, VA, and conventional. Start where it suits you: buying, exploring a refinance, or testing the numbers — apply in minutes or call (949) 522-7310.
Kennewick buyers most often work with conventional, FHA, first-time-buyer, down-payment-assistance.
Self-employed in Kennewick? We also work with borrowers who work for themselves — bank-statement income included. See Benton County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure.
Kennewick is the center, not the edge — Pasco, Richland, West Richland are covered too. All our Washington coverage, city by city →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Kennewick, WA buyers through licensed partner brokers. Equal Housing Opportunity. No Kennewick office — we work with Kennewick buyers remotely.
Asked by Kennewick buyers, answered here.
Where does the Kennewick conforming loan limit sit for 2026?
In Kennewick, a one-unit home can carry a conforming loan of up to $832,750 for 2026, under FHFA's limit for Benton County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. A two-unit property in Benton County can borrow up to $1,066,250 and stay conforming.
How do first-time buyers usually finance a Kennewick home?
First-time buyers in Kennewick usually finance with conventional and FHA loans. Some conventional programs accept 3% down from first-time buyers. An FHA loan on one unit in Benton County can go to $541,287 in 2026 (HUD). FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Do you cover all of Kennewick?
Yes, we cover all of Kennewick, including Southridge, Canyon Lakes, Badger Mountain South and Downtown Kennewick. Prices shift from street to street, and the appraisal follows recent nearby sales; the loan terms follow your credit, income and down payment. Licensed partner brokers originate loans across Southridge and Downtown Kennewick, and we coordinate them by phone and online.
Can an out-of-state broker really cover Kennewick, WA?
Yes, because a licensed partner broker in Washington originates the Kennewick loan while Choice Home Mortgage, licensed in California, coordinates it. Our own license is California's (NMLS #2629064); we keep no local office, and the file runs by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Kennewick?
Yes. Besides Kennewick, we also arrange loans in Pasco, Richland and West Richland through licensed partner brokers. Loan limits are set county by county, so the limit is re-checked for whichever town the home is in. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Kennewick file.
Do I ever need to visit an office for my Kennewick loan?
No. A Kennewick loan runs by phone and online, and Choice Home Mortgage has no local office to visit. A licensed partner broker in Washington originates the loan, and Choice Home Mortgage (California NMLS #2629064) coordinates it and compares many lenders. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Kennewick.
Bring the Kennewick address or just the idea — we'll match the program and shop lenders for your Kennewick loan.