Kent, WA
Kent, WA financing that matches Kent prices.
In Kent, the loan has to keep up with the price — high-balance, jumbo, move-up — and ours are built from real Kent numbers, East Hill outward.
Does Choice Home Mortgage work with Kent, WA buyers?
Yes. Choice Home Mortgage arranges home loans for Kent buyers through licensed partner brokers who cover Washington. We are a family-owned broker, in business since 2005 and licensed in California (NMLS #2629064); a licensed partner broker handles the Kent loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Kent, FHFA's 2026 one-unit limit is $1,063,750 (King County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
Buying in Kent: the numbers that matter.
Kent occupies the Green River Valley between Seattle and Tacoma as the industrial and logistics spine of King County, with Boeing supply-chain, Amazon, and UPS employers; buyers get King County addresses and Seattle access via Sounder rail well below Bellevue or Renton prices.
Financing follows that Kent math. For a Kent one-unit home, the 2026 conforming line sits at $1,063,750 — high-cost-area room for Kent buyers. Expect the $1,063,750 question early on any Kent purchase — where the price lands decides whether conforming, high-balance, or jumbo carries the Kent loan. Price-wise, Kent runs above the national norm — part of why King County counts as high-cost. Source: FHFA 2026 limits. We’ll verify your numbers.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
124,000-plus residents make Kent home — across East Hill, Scenic Hill, and between — with Auburn and Federal Way nearby. Our Kent picture runs street-level, the historic Mary Olson Farm and all. Whether the address is in East Hill, West Hill, Downtown Kent, and Scenic Hill or another Kent pocket entirely, the financing follows. Looking for mortgage help near you in Kent? We coordinate Kent loans by phone and online with licensed partner brokers, so you get local-market help without driving anywhere. Of the 28 Washington cities we serve, Kent plays by its own numbers — that’s the point: the Kent file, not a state template.
What working with us looks like.
Kent, block by block
From East Hill, West Hill, Downtown Kent to the blocks near the historic Mary Olson Farm — Kent pricing has a logic, and we work it daily.
Bigger-loan ready
Kent runs above the national norm — we structure VA, high-balance, jumbo financing around Kent price points.
Many lenders, one file
Kent buyers bring us one file; we bring it to a market of lenders, and the competition does the rest.
Owner-coordinated
Your Kent file is coordinated by owner Esther Buede herself, and in Kent or Auburn hers is the name buyers recognize from our reviews.
Your loan, one named coordinator.
Owner Esther Buede (individual NMLS #2003644) personally coordinates each Kent file, West Hill or any Kent address, first call to keys. Meet the family behind CHM →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
The right Kent loan for your situation.
Around the historic Mary Olson Farm, VA remains the workhorse of Kent lending. VA, high-balance, jumbo carry most of our Kent work (via our licensed partner-broker network) — and beyond those, Kent buyers get the full menu: conventional, VA, non-QM, and an FHA loan. Come in at your own pace — buying, refinancing your mortgage, or comparing paths — apply here or call (949) 522-7310.
Expect high-balance, jumbo, VA to carry most Kent files.
Self-employed in Kent? We also work with self-employed buyers — 1099 income included, plus bridge financing for Kent investors. The full King County 2026 loan-limit breakdown covers every unit count, not just the single-family line above. We serve the wider county too: mortgage help across King County.
The same coverage rings Kent: Auburn, Federal Way, Renton included. See all Washington cities we serve →
For Kent, WA: financing arranged through licensed partner brokers, coordinated by Choice Home Mortgage, licensed in California (NMLS #2629064). Equal Housing Opportunity. Kent is served remotely — we keep no office there.
Asked by Kent buyers, answered here.
What counts as a conforming loan amount in Kent?
A conforming loan on a one-unit Kent home can go up to $1,063,750 in 2026, which is FHFA's limit for King County. King County is a high-cost area, so a loan between the $832,750 national baseline and $1,063,750 is high-balance conforming, and anything above $1,063,750 is jumbo.
Are high-balance loans common on Kent purchases?
High-balance loans are available in Kent because King County is a high-cost county: they are conforming loans between the $832,750 national baseline and $1,063,750. A larger down payment can bring the loan back under $1,063,750 so it stays conforming. A licensed partner broker originates the loan while we compare those options across many lenders.
What parts of Kent do you work in?
Every part of Kent, including East Hill, West Hill, Downtown Kent and Scenic Hill. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Wherever the address is, from East Hill to Scenic Hill, a licensed partner broker originates the loan and we coordinate it by phone and online.
I'm buying in Kent, WA: can you handle it?
Yes. A licensed partner broker in Washington originates the Kent loan, and Choice Home Mortgage coordinates it. Choice Home Mortgage is licensed in California (NMLS #2629064) and has no Kent office, so the application, documents and updates run by phone and online. Owner Esther Buede coordinates the file, and many lenders compete for it.
Do you serve areas near Kent?
Yes. Besides Kent, we also arrange loans in Auburn, Federal Way and Renton through licensed partner brokers. Every address is checked against its own county's 2026 limit before we quote. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as a Kent file.
What does the mortgage process look like from Kent?
From Kent, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. Licensed partner brokers cover the Washington licensing, while Choice Home Mortgage (California NMLS #2629064) coordinates the file and the lender shopping. Owner Esther Buede is your point of contact from the first call to closing.
Let's get you home in Kent.
Tell us where in Kent you're headed — the program match and the Kent lender legwork are on us.