Loan programs
Jumbo loans in Washington
When the loan you need is larger than the conforming limit, you need a jumbo loan. On the Eastside — where many homes in Kirkland, Bellevue, Redmond and Sammamish sell above that line — jumbo financing is part of everyday home buying, not a niche product.
Reviewed by Clint Aguon, CEO & Loan Officer · NMLS #1893008 · Updated September 2026
What counts as jumbo in 2026
A loan is “jumbo” when it's above the conforming loan limit for the county:
| County | 2026 conforming limit (1 unit) |
|---|---|
| King, Snohomish, Pierce | $1,063,750 |
| All other Washington counties | $832,750 |
Borrow above those amounts and the loan falls outside Fannie Mae and Freddie Mac guidelines, so each lender sets its own rules. That's where shopping multiple lenders pays off.
What jumbo lenders look for
- Strong credit — requirements are typically higher than for conforming loans.
- Reserves — savings left over after closing, often several months of payments.
- Lower debt-to-income ratios.
- Full documentation of income and assets; some loans need a second appraisal.
Jumbo options we can arrange
- Fixed-rate and adjustable-rate jumbo loans
- Purchase, rate-and-term refinance, and cash-out refinance
- Options for self-employed borrowers and investors, including bank statement and asset-based programs
Why use a broker for a jumbo loan
Jumbo pricing and guidelines vary more from lender to lender than almost any other loan type. Instead of applying bank by bank, you apply once with us and we compare jumbo programs across dozens of wholesale lenders. Our principals' own experience in real estate investment and development helps too — especially with complex income, multiple properties or one-of-a-kind homes.