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.
Who can help me get a mortgage in Seattle, WA?
Choice Home Mortgage can. We arrange Seattle home loans through licensed partner brokers in Washington and coordinate each Seattle file ourselves; our own license is California's (NMLS #2629064). Owner Esther Buede coordinates it personally, and we compare many lenders for it.
For 2026, a one-unit Seattle home can carry a conforming loan of up to $1,063,750, the King County limit FHFA sets, and we check where your Seattle price falls before you write an offer. The whole process runs by phone and online.
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. As a market, Seattle runs above the national norm — consistent with King County’s high-cost status. FHFA publishes the 2026 schedule; we’ll square your numbers against it.
2026 loan limits checked against FHFA’s county file; this page was last updated October 13, 2026.
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, coordinating
Your Seattle file is coordinated by owner Esther Buede herself, and in Seattle or Bellevue hers is the name buyers recognize from our reviews.
Owner-coordinated, application to Seattle keys.
In Seattle, owner Esther Buede (individual NMLS #2003644) is the one coordinating 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 your mortgage, or running scenarios — start your application here or call (949) 522-7310.
Seattle buyers most often work with jumbo, high-balance.
Self-employed in Seattle? We also work with self-employed buyers — 1099 income included, plus no-income investor financing for Seattle investors. See King County’s complete 2026 loan-limit table for the one- through four-unit numbers behind that figure. Looking beyond Seattle? Our King County page covers the county-wide picture, including how its limits differ.
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?
Yes. A conforming loan on a one-unit Seattle home can go up to $1,063,750 in 2026, which is FHFA's limit for King County. Because King County is high-cost, its limit sits above the $832,750 national baseline; a loan in that gap is called high-balance and is still conforming.
Are high-balance loans common on Seattle purchases?
High-balance loans are available in Seattle because King County is a high-cost county: they are conforming loans between the $832,750 national baseline and $1,063,750. Putting more down keeps the loan at or under $1,063,750, which keeps it conforming. Licensed partner brokers originate the loan, and Choice Home Mortgage compares quotes from many lenders on your file.
Are certain Seattle neighborhoods outside your coverage?
No. Every Seattle neighborhood is covered, Capitol Hill, Ballard, Queen Anne and Pioneer Square included. The neighborhood affects the appraisal, which compares recent nearby sales, but the loan terms come from your credit, income and down payment. Licensed partner brokers originate loans across Capitol Hill and Pioneer Square, and we coordinate them by phone and online.
Do you work with Seattle, WA buyers?
Yes. We work with Seattle 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.
I'm shopping Seattle and the next town over: is that covered?
Yes. You can compare homes in Seattle with Bellevue, Kirkland and Burien on one file. 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 Seattle file.
What does the mortgage process look like from Seattle?
From Seattle, the whole mortgage process runs by phone and online: you apply online, upload documents and get updates as the loan moves. 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.
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.