Seattle, WA
Seattle, WA home loans, built for Seattle's market.
From high-balance and jumbo financing to move-up and refinance, we structure the loan around Seattle's price points — not a one-size template.
How Seattle buyers get to the closing table.
Seattle is firmly high-cost with extremely tight inventory; tech-sector employment drives sustained demand, and even the high-cost conforming limit doesn’t cover many King County purchases, making jumbo essential.
That market shapes the loan. Because King County is a high-cost area, the 2026 one-unit conforming limit is $1,063,750 — above the national baseline. So many Seattle buyers use high-balance or jumbo financing — and knowing exactly where your purchase lands against that $1,063,750 line is half the work. Limits per FHFA 2026; verify your scenario with us.
We work Seattle from the ground up — close to the Space Needle and Mount Rainier. We finance homes across Capitol Hill, Ballard, Queen Anne, and Pioneer Square — and every other corner of Seattle. Looking for a mortgage broker near you in Seattle? 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.
Seattle market knowledge
Near the Space Needle and Mount Rainier, across Capitol Hill, Ballard, Queen Anne — we know how Seattle prices and programs actually work.
High-balance & jumbo ready
Seattle runs above the national norm — we structure jumbo, high-balance financing around its price points.
Lenders shopped for you
As a broker we put many lenders in competition for your Seattle file — not one bank's shelf.
Owner-handled
Owner Esther Buede guides your Seattle loan personally — the named expert behind our five-star reviews.
One owner, handling your whole loan.
In Seattle, 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 →
“A very special lady. Esther took me by the hand and walked me thru each and every bump in the road.”
Seattle financing that fits the home and the borrower.
For Seattle we lean on jumbo, high-balance 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 Seattle, we also help buyers in Bellevue, Kirkland, Burien. See all Washington cities we serve →
Choice Home Mortgage is licensed in California (NMLS #2629064) and helps Seattle, WA buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Seattle office.
Seattle mortgage questions, answered.
What's the 2026 conforming loan limit in Seattle?
In King County, the 2026 conforming loan limit is $1,063,750 for a single-family home — a high-cost figure above the national baseline. Limits per FHFA 2026; verify your scenario with us.
Do I need a jumbo loan to buy in Seattle?
Not always. Many Seattle homes can be financed with high-balance conforming loans up to $1,063,750 before a true jumbo is needed. We'll tell you which fits your price point.
Which Seattle neighborhoods do you serve?
We serve buyers across Seattle, including Capitol Hill, Ballard, Queen Anne. Financing works the same citywide — the loan is matched to you, not the ZIP code.
Can Choice Home Mortgage help me buy in Seattle, WA?
Yes. We help Seattle 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 Seattle?
Yes — we also work with buyers in nearby Bellevue, Kirkland, Burien. Same process, local loan-limit details for each.
Let's finance your Seattle home.
Straight answers on your Seattle options, and a broker who shops the whole market so you don't have to.