Olympia, WA
Your Olympia, WA mortgage, done right.
Conventional, FHA, and first-time-buyer paths for Olympia — clear guidance from pre-approval through closing.
Olympia home loans, the honest version.
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.
That market shapes the loan. In Thurston County, the 2026 one-unit conforming limit is the national baseline of $832,750. Most Olympia purchases sit comfortably under that $832,750 line, which keeps conventional, FHA, and FHA options on the table. Limits per FHFA 2026; verify your scenario with us.
We work Olympia from the ground up — close to the Washington State Capitol on Budd Inlet. We finance homes across Downtown/Capitol Campus, South Capitol, Eastside, and Bigelow Highlands — and every other corner of Olympia. Looking for a mortgage broker near you in Olympia? We serve the area by phone and online, so you get a local-market broker without driving to an office.
What you get with a local broker.
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 buyers often start with conventional, FHA — we match you to the down-payment and first-time programs you qualify for.
Lenders shopped for you
As a broker we shop many lenders for your Olympia file instead of selling one bank's product.
Owner-handled
Owner Esther Buede guides your Olympia loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Olympia, your loan is handled personally by owner Esther Buede — a licensed mortgage expert (individual NMLS #2003644) who has guided California families to the closing table since 2005. Not a call center, not a rotating cast — one expert who knows your file and your market. Meet the family behind CHM →
“Painless and no hidden surprises. Choice Home Mortgage is a company I can trust.”
Matched to your Olympia purchase, not a template.
For Olympia we lean on conventional, FHA through our licensed partner-broker network — but whatever fits, we shop it: FHA, conventional, VA, and non-QM. Start when you’re ready: buying, refinancing, or just exploring — apply here or call (949) 522-7310.
Close to Olympia, we also help buyers in Lacey, Lakewood, Tacoma. See all Washington cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Olympia, WA buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Olympia office.
Olympia mortgage questions, answered.
What's the 2026 conforming loan limit in Olympia?
In Thurston County, the 2026 conforming loan limit is $832,750 for a single-family home, the national baseline. Limits per FHFA 2026; verify your scenario with us.
Which loan types work best in Olympia?
Most Olympia buyers use conventional or FHA financing; refinancing and move-up loans are common too. The right fit depends on your down payment and goals.
Which Olympia neighborhoods do you serve?
We serve buyers across Olympia, including Downtown/Capitol Campus, South Capitol, Eastside. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Olympia, WA?
Yes. We help Olympia homebuyers through licensed partner brokers. Choice Home Mortgage is licensed in California (NMLS #2629064); we coordinate WA financing for you.
Do you serve areas near Olympia?
Yes — we also work with buyers in nearby Lacey, Lakewood, Tacoma. Same process, local loan-limit details for each.
Let's finance your Olympia home.
One call with the owner — local, honest, no pressure. We'll tell you which program fits your Olympia purchase and shop the lenders for you.