Seattle, WA
Seattle, WA home loans, sized for the market.
From Capitol Hill across Seattle, higher price points meet financing built for them — high-balance, jumbo, move-up — matched to your Seattle file.
Seattle home loans, the honest version.
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.
So the Seattle strategy starts with the market, not the rate sheet. On a one-unit Seattle home, conforming reaches $1,063,750 for 2026 — the high-cost ceiling King County carries. So many Seattle buyers use high-balance or jumbo financing — knowing where a Seattle purchase lands against that $1,063,750 line is half the work. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
Roughly 652,000-plus people call Seattle home, spread from Capitol Hill to Pioneer Square, with Bellevue and Kirkland minutes away. We can talk Seattle down to the blocks around the Space Needle and Mount Rainier. Seattle buyers reach us from Capitol Hill, Ballard, Queen Anne, and Pioneer Square — and from every block in between. If you’re in Seattle hunting for a nearby broker: we work Seattle loans by phone and online, Seattle knowledge included. Across Washington, our coverage runs 28 cities deep — and in Seattle, as everywhere, the county numbers get verified before anything is quoted.
What you get with a local broker.
Seattle know-how
The Seattle map — Capitol Hill, Ballard, Queen Anne, out toward the Space Needle and Mount Rainier — is exactly the local detail your financing should be built on.
Built for Seattle price tags
Jumbo, high-balance — that's the Seattle toolkit, because Seattle prices above the national norm and the financing keeps up.
We shop; you choose
Your Seattle file gets shopped across many lenders — a broker working Seattle, not one bank's sales desk.
The owner, on your file
Owner Esther Buede runs every Seattle file herself — one expert from your first Seattle call to your closing.
Owner-handled, application to Seattle keys.
Owner Esther Buede (individual NMLS #2003644) has closed loans since 2005, and in Seattle she’s the one on your file — Ballard or anywhere on the Seattle map, first call through keys. Meet the family behind CHM →
“Closed in 8 days. I never knew a home refinance could happen so quickly and painlessly!”
Built around your Seattle home, not a shelf product.
Seattle keeps us busy with jumbo files — the draw of the Space Needle and Mount Rainier doesn’t hurt. Jumbo, high-balance carry most of our Seattle work (via our licensed partner-broker network) — and beyond those, Seattle buyers get the full menu: non-QM, FHA, VA, and conventional. Ready or just curious — buying, refinancing, or running scenarios — start your application here or call (949) 522-7310.
Beyond Seattle itself, Bellevue, Kirkland, Burien buyers work with us the same way. All our Washington coverage, city by city →
Choice Home Mortgage (California-licensed, NMLS #2629064) serves Seattle, WA buyers through licensed partner brokers. Equal Housing Opportunity. We serve this area; we do not maintain a Seattle office.
Real questions from Seattle buyers.
Is there a loan limit for Seattle purchases in 2026?
Because King County counts as high-cost, Seattle buyers get a $1,063,750 single-family ceiling for 2026. Per FHFA — we'll confirm your Seattle numbers.
Are high-balance loans common on Seattle purchases?
Often, yes — Seattle prices push many Seattle purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Seattle file around where the price lands.
Are certain Seattle neighborhoods outside your coverage?
All of Seattle — including Capitol Hill, Ballard, Queen Anne, Pioneer Square. The financing follows you across Seattle: the loan matches your Seattle file, never the ZIP.
Do you work with Seattle, WA buyers?
We're licensed in California (NMLS #2629064) and team with licensed partner brokers for WA, so a Seattle buyer gets the same many-lenders shopping with the licensing handled properly.
I'm shopping Seattle and the next town over — covered?
Of course: Bellevue, Kirkland, Burien run the same as Seattle files, with each area's numbers checked separately.
What does the mortgage process look like from Seattle?
Simple: one call to map the Seattle plan, then documents and updates online. Licensed partner brokers handle WA licensing while your Seattle loan gets shopped — start to close, remotely.
Seattle neighbors we also serve
Ready for your Seattle address?
One conversation, zero pressure — your Seattle plan mapped and a market of lenders put to work on the Seattle file.