Olympia, WA
Olympia home financing, minus the runaround.
We fit the loan to your Olympia plans — FHA, conventional and more — walking Olympia buyers through it, Downtown/Capitol Campus to closing day.
Does Choice Home Mortgage work with Olympia, WA buyers?
Yes. Choice Home Mortgage arranges home loans for Olympia 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 Olympia loan while we coordinate it and compare many lenders for it, with owner Esther Buede as your point of contact.
For Olympia, FHFA's 2026 one-unit limit is $832,750 (Thurston County), which is where a loan stops being conforming and becomes jumbo. Everything from the first call to closing runs by phone and online.
What financing an Olympia home really takes.
Olympia is Washington’s state capital, anchoring Thurston County with state government, The Evergreen State College, and Providence St. Peter Hospital — three recession-resistant employers providing structural demand insulation uncommon in similarly sized Pacific Northwest cities; 60 miles south of Seattle, it attracts remote workers and state employees priced out of King County.
Every Olympia loan starts from that reality. A one-unit Olympia purchase conforms to $832,750 in 2026 — the national baseline Thurston County runs on. With Olympia homes mostly under $832,750, conventional plus FHA plus first-time-buyer all work on Olympia files. Price-wise, Olympia runs solidly middle-of-market. 2026 limits published by FHFA — confirm your exact scenario with us.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
Olympia counts 48,000-plus residents, Downtown/Capitol Campus to Bigelow Highlands, with Lacey and Lakewood close enough to house-hunt the same weekend. Olympia detail matters to us — the Washington State Capitol on Budd Inlet and the streets that feed it included. Olympia buyers reach us from Downtown/Capitol Campus, South Capitol, Eastside, and Bigelow Highlands — and from every block in between. Need a broker near you in Olympia? Everything runs by phone and online, so Olympia expertise comes straight to you. Across Washington, our coverage runs 28 cities deep — and in Olympia, as everywhere, the county numbers get verified before anything is quoted.
One file, many lenders, Olympia terms.
Olympia market knowledge
Near the Washington State Capitol on Budd Inlet, across Downtown/Capitol Campus, South Capitol, Eastside — we know Olympia's neighborhoods, prices, and the programs that fit them.
First-time & assistance
Olympia budgets get the full toolkit — FHA, conventional — plus every assistance program an Olympia file can claim.
Lenders shopped for you
Many lenders bid on each Olympia file we bring them — Olympia buyers never shop one shelf.
The owner, coordinating
The owner, Esther Buede, is who Olympia buyers talk to, and she coordinates the Olympia file with our licensed partner brokers.
Owner-coordinated, application to Olympia keys.
Your Olympia file is coordinated by owner Esther Buede (individual NMLS #2003644) personally, and Olympia, South Capitol included, gets her full attention. Choice Home Mortgage has worked that way since 2005. Meet the family behind CHM →
“She was sincere. Got me processed and funded in 20 days. I felt taken care of every step of the way.”
Your Olympia file decides the loan.
Near the Washington State Capitol on Budd Inlet, FHA files are an Olympia staple for us. For Olympia we lean on FHA, conventional through our licensed partner-broker network — but whatever fits your Olympia file, we shop it: an FHA loan, non-QM, VA, and conventional. Start when you’re ready: buying, exploring a refinance, or just exploring — apply online or call (949) 522-7310.
For Olympia, that usually means conventional, FHA.
Olympia borrowers who work for themselves get their own path here, qualifying on bank-statement income instead of W-2s. Want every unit count, not just single-family? Thurston County’s 2026 loan limits page has the full table.
Close to Olympia, we also help buyers in Lacey, Lakewood, Tacoma. More Washington cities we work in →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Olympia, WA buyers through licensed partner brokers. Equal Housing Opportunity. No Olympia office — we work with Olympia buyers remotely.
Olympia home-loan questions, straight answers.
Where does the Olympia conforming loan limit sit for 2026?
$832,750 is the 2026 conforming limit for a single-family home in Olympia, based on FHFA's figure for Thurston County. That is the national baseline with no high-cost adjustment, so a loan above $832,750 is a jumbo loan. Two-unit homes in Thurston County have a $1,066,250 conforming limit for 2026.
Do Olympia first-time buyers have good loan options?
Yes. First-time buyers in Olympia can choose from conventional and FHA loans, and down-payment assistance where they qualify. Some conventional programs accept 3% down from first-time buyers. For FHA, the 2026 one-unit limit in Thurston County is $586,500, per HUD. FHA loans allow 3.5% down with a credit score of 580 or higher, under HUD's rules.
Does it matter where in Olympia I'm buying?
No, not for the financing: we finance homes anywhere in Olympia, including Downtown/Capitol Campus, South Capitol, Eastside and Bigelow Highlands. What changes from one neighborhood to the next is the price and the appraisal, since the appraiser compares recent sales nearby. Licensed partner brokers originate loans across Downtown/Capitol Campus and Bigelow Highlands, and we coordinate them by phone and online.
Do you work with Olympia, WA buyers?
Yes. We work with Olympia buyers through licensed partner brokers who hold the Washington license, and we coordinate each file. 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.
What if I'm buying just outside Olympia?
Buying just outside Olympia changes nothing on our side; we also arrange loans in Lacey, Lakewood and Tacoma through licensed partner brokers. Each town's conforming limit depends on its county, so we confirm the 2026 limit for the exact address before quoting. Licensed partner brokers originate those loans and Choice Home Mortgage coordinates them, the same way as an Olympia file.
How do we work together on an Olympia purchase?
We start with a call to map your Olympia purchase, then coordinate the application, documents and updates online. 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.
Beyond Olympia: nearby cities we work
Let's get you home in Olympia.
Straight answers on your Olympia options, and a broker shopping the whole market for Olympia buyers like you.