Seattle, WA Mortgage Broker

Seattle mortgage broker

Seattle's housing ranges from condos in Capitol Hill and Belltown to Craftsman homes in Ballard, Wallingford and West Seattle — plus a growing number of townhomes and backyard cottages. We help Seattle buyers and homeowners choose the loan that fits the home, not the other way around.

Neighborhoods we know

Ballard, Fremont, Wallingford, Phinney Ridge, Greenwood, Green Lake, Ravenna, Wedgwood, Maple Leaf, Northgate, Lake City, Capitol Hill, Queen Anne, Magnolia, Montlake, Madison Park, Madrona, Leschi, Beacon Hill, Columbia City, Rainier Beach, Georgetown, West Seattle and more.

Loans that fit Seattle

King County's 2026 conforming limit is $1,063,750. Loans between the $832,750 national baseline and that figure are “high-balance” conforming loans, which some lenders price differently; above it you're in jumbo territory, where credit, reserve and pricing rules vary widely from lender to lender. Townhomes and condos often fit conventional or FHA loans, while larger homes in north Seattle and on the hills frequently need jumbo financing.

Buying a Seattle condo

Seattle has hundreds of condo buildings, from new towers downtown to 1960s buildings on Capitol Hill and Queen Anne. Fannie Mae and Freddie Mac now look harder at buildings with deferred maintenance or large special assessments, and FHA loans need an approved project or a single-unit approval. We review the condo questionnaire, budget and reserves early, so a building issue surfaces before your inspection deadline — not days before closing.

Backyard cottages and more homes per lot

Seattle allows up to two accessory dwelling units on most single-family lots, one attached and one detached, and Washington's middle-housing law is opening more of the city to duplexes, townhomes and other small multi-unit homes. Homeowners often fund an ADU with a HELOC, a cash-out refinance or a construction loan, and investors can use DSCR loans qualified on a property's rent.

Help for first-time buyers

Washington State Housing Finance Commission programs pair a first mortgage with down payment assistance, the Covenant Homeownership Program helps eligible first-time buyers, and the City of Seattle's Office of Housing funds additional assistance for income-qualified buyers through local partners. Each has its own income and price limits; we'll help you see which ones you qualify for and whether they can be combined.