Bellingham, Washington
Bellingham mortgage broker
Bellingham is a college town, a port city and a gateway to the North Cascades and the San Juan Islands, about 20 miles from the Canadian border. Buyers here include Western Washington University staff, retirees, remote workers and investors buying rentals near campus.
Neighborhoods we know
Fairhaven, South Hill, Edgemoor, Happy Valley, Sehome, York, the Lettered Streets, Columbia, Cornwall Park, Barkley, Silver Beach, Birchwood, Samish, Cordata and King Mountain.
Loans that fit Bellingham
Whatcom County uses the standard 2026 conforming limit of $832,750, so view homes in Edgemoor and on South Hill often need jumbo financing, while most of the city's condos and older bungalows fit conventional or FHA loans. Outside the city, parts of Whatcom County qualify for USDA loans — we check the address before you fall for a property.
Rentals and ADUs
Steady demand from students and university staff makes Bellingham popular with small investors. DSCR loans qualify on the property's rent instead of your personal income, and if you'll live in one unit of a two- to four-unit property, owner-occupied conventional and FHA financing can apply. Bellingham also allows accessory dwelling units, which homeowners often fund with a HELOC, cash-out refinance or construction loan.
Loans we arrange in Bellingham
See the Washington loan limits