Shoreline, WA
The right loan for the Shoreline home you're after.
From jumbo to move-up money, Shoreline loans get built around real Shoreline price tags — North City included, template excluded.
Buying in Shoreline: the numbers that matter.
Shoreline occupies 11.7 square miles directly north of Seattle’s city limits, offering King County’s most accessible price point for buyers who need Seattle employment proximity without Seattle pricing; the Link Light Rail extension reaching Shoreline has structurally reinforced demand by reducing car-dependency for the commute.
Financing follows that Shoreline math. Shoreline sits in high-cost King County, so a one-unit Shoreline purchase conforms all the way to $1,063,750 in 2026. That means high-balance and jumbo tools come up constantly in Shoreline — the first job on any Shoreline file is placing it against $1,063,750. FHFA 2026 figures; your scenario gets verified before anything else.
54,000-plus residents make Shoreline home — across North City, Echo Lake, and between — with Edmonds and Kirkland nearby. We work Shoreline from the ground up — close to Richmond Beach Saltwater Park on Puget Sound. North City, Ballinger, Richmond Beach, and Echo Lake — we finance homes in each of them, and everywhere else Shoreline reaches. A Shoreline broker without the drive: we handle Shoreline loans by phone and online, and the Shoreline market knowledge travels with us. Across Washington, our coverage runs 28 cities deep — and in Shoreline, as everywhere, the county numbers get verified before anything is quoted.
Shoreline deserves a real broker.
Shoreline market knowledge
North City, Ballinger, Richmond Beach — every Shoreline pocket prices its own way, and the blocks near Richmond Beach Saltwater Park on Puget Sound prove it. We match the program to the pocket.
High-balance & jumbo ready
Price tags in Shoreline sit above the national norm, so we build jumbo, conventional, high-balance strategies sized to Shoreline.
Lenders shopped for you
One Shoreline application, many lenders competing on it — that's what a Shoreline buyer hires a broker for.
Owner-handled
The owner — Esther Buede — is who Shoreline buyers actually talk to, first call to funded loan.
One expert on the Shoreline file, start to keys.
Owner Esther Buede (individual NMLS #2003644) personally runs each Shoreline file — Ballinger or any Shoreline address — first call to keys, as she’s done since 2005. 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.”
Programs shaped to Shoreline price tags.
Demand around Richmond Beach Saltwater Park on Puget Sound keeps jumbo activity steady in Shoreline. Shoreline files most often land on jumbo, conventional, high-balance through our licensed partner-broker network — and past those, every Shoreline option gets shopped: VA, conventional, non-QM, and FHA. Ready or just curious — buying, refinancing, or running scenarios — get started here or call (949) 522-7310.
Shoreline is the center, not the edge — Edmonds, Kirkland, Seattle are covered too. Every Washington city we cover →
Shoreline, WA buyers work with us through licensed partner brokers; Choice Home Mortgage is licensed in California (NMLS #2629064). Equal Housing Opportunity. We serve this area; we do not maintain a Shoreline office.
Before you buy in Shoreline: the FAQs.
What loan size keeps a Shoreline mortgage conforming?
King County is high-cost, so a Shoreline single-family purchase can reach $1,063,750 and stay conforming. FHFA resets these yearly; we'll verify your Shoreline scenario.
Are high-balance loans common on Shoreline purchases?
Often, yes — Shoreline prices push many Shoreline purchases past the conforming line, so high-balance and jumbo carry a lot of deals here. We structure your Shoreline file around where the price lands.
Are certain Shoreline neighborhoods outside your coverage?
We work Shoreline citywide — North City, Ballinger, Richmond Beach, Echo Lake included. Where in Shoreline you buy doesn't change how hard we shop.
Do you work with Shoreline, WA buyers?
Yes. We help Shoreline, WA homebuyers through licensed partner brokers — Choice Home Mortgage is California-licensed (NMLS #2629064) and coordinates Shoreline financing end to end.
What about the towns just past the Shoreline line?
We do: buyers in Edmonds, Kirkland, Seattle work with us like Shoreline buyers do, local limits checked for each.
How does the process run for a Shoreline buyer working with you?
Everything runs by phone and online: application, documents, updates. We coordinate your Shoreline purchase with our licensed partner brokers handling the WA side — no office visit involved.
Buying near Shoreline? We cover that too
Next stop: your Shoreline address.
Tell us about the Shoreline home you want — we'll match the program and make lenders compete for your Shoreline loan.