Washington home loans, shopped across lenders for you.
Team Kristen compares FHA, VA, conventional, jumbo, USDA and self-employed programs from a network of wholesale lenders, then gets you a pre-approval that holds up when it counts.
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Kristen Hordyk, NMLS #2564353; Edge Home Finance, LLC, NMLS #891464. Licensed in Washington and New Mexico. Meet Kristen
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What clients say about Kristen Hordyk
I’m so grateful to have had Kristen as our loan officer during our home-buying journey. Buying a home can be incredibly stressful, especially with all the moving pieces involved, but Kristen was always there to answer my questions, explain things clearly, and keep everything moving forward. She was patient, responsive, and genuinely cared about helping my family get into our new home. I never felt like just another client. Thank you, Kristen, for all your hard work and for helping make this experience so much smoother for us. We truly appreciate you!
Kristin was absolutely amazing to work with! She was diligent and very helpful! Nothing was left unknown! Amazing at her job and we are so thankful to have had her.
Working with Kristen was a terrific experience. We closed on a large purchase quickly. Her products are very competitive and her team is great. She made all the moving parts happen in an easy process and was always available when we needed. I highly recommend her services.
Kristen is an amazing loan officer! I have referred her in several real estate deals and she has always come through. She communicates effectively with her clients and her agents, and has an extensive knowledge of the market and all different loan types and programs. She will what’s be at the top of my list when I need a loan officer.
Kristen and her team made our 1st home purchase run smoothly. They did everything they could to make sure we had a enjoyable experience. I will recommend Kirsten and her team to any one. Kirsten was always there to answer are questions and she was amazing to work with.
Kristen goes above and beyond for every single one of my clients. She is extremely efficient with her work and always delivers on her promises. She constantly communicates throughout the loan process. I couldn’t be more grateful to have her in my corner. Thank you for everything you do, Kristen!
Kristen is caring and pays attention to every detail with grace and clarity. I would highly recommend her!
We cannot recommend Kristen and the team enough! From start to finish, she made our home-buying journey feel seamless. What stood out most was her incredible responsiveness; she was always there to answer our questions and kept us informed every step of the way. Kristen went above and beyond to make us feel comfortable with such a major decision and worked tirelessly to secure us the best possible rates. We were also incredibly lucky to work with Keryn, the senior loan processor. Keryn made sure we were always aware of upcoming deadlines and kept all of our documents impeccably organized, making the entire underwriting process feel completely smooth and stress-free. Truly a dream team!!!
Working with Kristen was a breath of fresh air for Tony and I, especially after coming out of a really difficult time in our lives. We’re so grateful we were connected with her. Kristen brings such a genuine sense of care, empathy, and understanding to her work. I’ve never met a more patient or hardworking person. She truly goes above and beyond. You can tell she genuinely cares about people and really loves what she does. She has a way of making you feel completely supported and seen. If I feel incredibly lucky that our paths crossed, and I can’t say enough good things about the experience. Thank you so much to Keryn as well for everything she did along the way.
I have exacting standards and expectations, having spent many years managing complex loan closings in commercial and consumer lending. And Kristen was amazing! She was exceptional at providing us with options and material information. Her responses were prompt and timely, which helped significantly in navigating the complexities of a multi-party transaction. My husband and I appreciate Kristen’s guidance and advocacy throughout the process. It is our absolute pleasure to recommend Kristen to anyone looking for a lender.
Kristen was an amazing individual to work with. She was very thorough and was super communicative throughout the entire home buying process making it easy and painless. I could not recommend anyone better than her!
We worked with Kristen for quite awhile. Throughout our house hunting adventure she was very informative and knowledgeable. She kept us up to date and was more than happy to answer any questions we had along the way. If you’re looking to purchase a house there is no one better.
I was definitely scared of of home buying process Ive heard horror story after horror story. But I feel like when you find the right team it can truly be a fun experience. Kristen and her team did just that for us. They went above and beyond to make sure the hard work remained in there court. Before we knew it we were closing on a house and moving into our new home. This Team did an exceptional job. I Highly recommend this company and plan to be using them again in the future.
Kristen has been super helpful and responsive and always has such a positive vibe and energy in her emails! An absolute please to work with!
As first time homebuyers we didn't know what we didn't know. Thankfully we had Kristen guiding us through it all. She really cared that we had as stress-free of an experience as possible with no surprises. We couldn't have asked for a better financial professional to work with.
I cannot sing enough glowing praise for Kristen! She is amazing at what she does. The whole mortgage/refinance process was so daunting and confusing and overwhelming to me. But from the moment I met Kristen, she made me feel taken care of, hopeful, supported- like I could trust her. She helped me through every step of the process- and always with kindness. She made me feel like I had a friend watching out for me. I honestly don't know if I could have done this without her and her team- they are miracle workers, and they truly helped me better my financial situation and better my life. Absolutely deserving of your business!
Kristen is amazing. Her response time is incredible. I would highly recommend working with Kristen and her team!
Kristen was a joy to work with. She kept me informed of every step of the process and had an amazingly positive attitude. I would 1000% recommend her to friends and family to help make their home owning dreams come true!
Kristen came into a purchase that I already had in process but lost my lender the day of closing. Kristen didn't even blink an eye at the crazy timeline and quickly started coming up with solutions and back up plans and was able to secure a loan in record time! I have since recommended her to several friends and will continue to do so. I am so thankful for her knowledge, abilities and how easy she made the whole process!
Kristen is fantastic!! She takes the time to walk through the mortgage loan and is very informative and helpful with any questions. I highly recommend giving Kristen a call if you are looking for a mortgage!
Kristen made the home buying process a breeze, it almost felt too easy!! She was extremely organized and helpful along every step of the way. Couldn’t have asked for a better team.
Kristen was very helpful and very responsive throughout our home-buying process. She provided us with thoughtful answers when we had questions and was demonstrated a thorough understanding of the entire process. Thank you, Kristen!
Kristen went above and beyond for my husband and I. This was our first time buying a home and I couldn't have asked for anyone better to help us through the process. She was very communicative, made sure all of our questions and concerns were heard and made everything for us so easy to manage.
Kristen was highly responsive and knowledgeable. She was patient with all the questions and requests I had as a first-time home buyer. Plus I got a great interest rate! I cannot recommend her enough.
Kristen and Keryn were fantastic guides for my first home purchase! They were incredibly responsive and communicative, always clarifying what was needed and promptly answering my (many!) questions. They even helped me navigate complex aspects like navigating documents needed from my employee stock. I wholeheartedly recommend them to anyone looking to buy a home!
Kristin was so easy to work with on figuring out the home finance options were and working through the differences to find the best fit. She works with multiple banks, so offered quite a few options once we discussed the needs/goals.
Kristen was super easy to work with and very responsive. She made the process very smooth and and way less stressful than I thought it might be.
Kristen is easily one of the hardest working people I have ever worked with. Without her, we wouldn’t have closed our home in a time without her tireless efforts!
Kristen is absolutely awesome! My husband and I have been wanting to refinance our house for a while. Our old mortgage company thought that saving us 100$ was amazing and that we should jump at that opportunity! And they were extremely pushy about it! We obviously said no! When we found out Kristen was a broker my husband asked her what she could do for us! She got right to work and kept us informed the whole time! She was never pushy and let us decided when we wanted to pull the trigger or wait! We got it all done In such a short amount of time saving us hundreds on our monthly mortgage! I highly recommend her for whatever you need from buying to refinancing she is a great person to know! We are so happy with our experience!
Kristen is by far the best finance person and human i have ever met. As far as the business side, she is efficient, fast, knowledgeable, kind and explains things so well that non finance people have a good understanding of what is being said. As for the non business side, Kristen is so generous, helpful, understanding and truly cares about the the people going through this stressful process. She opens her heart to those around her and has truly been a blessing to me and my family. I am forever grateful
It was a very easy process with Kristen’s help. She was very knowledgeable answered every question I had, along with give really in depth guidance through out the process which made everything move smoothly. She really went above and beyond finding the best loan for my situation and made the whole experience extremely easy. I would highly recommend Kristen to anyone.
Kristen Hordyk is by far the most incredible person to have on your side through any house transaction! She delivers above and beyond exceptional service with great attention to detail and the ability to coordinate multiple teams on every level and stage of the home buying journey. If anyone is looking to buy a home, you really don’t need to look any further!
Kristen was amazing! Extremely knowledgeable and personable. She found us the best possible rates. I’m recommending her to everyone I know who needs a lender.
Thank you for being an absolute joy to work with. You made a typically stressful process go seamlessly. You were communicative and responsive throughout every step of the process.
Mortgage Loan Originator, NMLS #2564353
Edge Home Finance
Investor first. Mortgage broker second.
For the past decade, I haven't just financed real estate. I've lived it. I've spent 10+ years as an active real estate investor, flipping homes, operating rental properties and running profitable short-term rentals. I've been on every side of the transaction: the buyer, the seller, the landlord, the renovator, the strategist. That firsthand experience is why my clients don't get generic advice. They get guidance rooted in real numbers, real projects and real outcomes.
I was born and raised in New Mexico and now call Washington home, and I'm licensed in both states. Whether you're buying in Seattle or Santa Fe, Tacoma or Albuquerque, you get the same lender access and the same hands-on approach.
- 10+ years investing: flips, long-term rentals and short-term rentals
- Licensed in Washington and New Mexico
- Access to 150+ wholesale lenders through Edge Home Finance
- First-time buyers, refinances, DSCR, portfolio and flip financing
- A vetted investor network: contractors, inspectors, property managers and more
Already a client? Download my app and get access to:
- Watch your equity grow. A running estimate of what you've built, so you know when a remodel, HELOC or next purchase makes sense.
- Never hunt for paperwork again. Your appraisal, mortgage note, insurance and warranty, ready when you need them.
- Your team on speed dial. Text or call your loan officer and transaction contacts in one tap.
- Know when to refinance. National rate trends from Freddie Mac's weekly survey, and a heads-up from Kristen when it's worth a look.
Your Homeowner Portal lives on your phone like an app, with Kristen a tap away for years after you get the keys.
Example screens with sample numbers. Your portal shows your own home and loan.
Mortgage calculators
Plug in a rate you've been quoted. For your actual numbers, Kristen prices your scenario across lenders.
Estimated monthly payment
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Loan amount—Principal and interest—Tax, insurance, HOA, MI—
Estimated price range up to
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Max housing payment—Estimated loan amount—Down payment—
Break-even
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Current principal and interest—New principal and interest—Monthly change—Interest left, current loan—Interest over new loan—
Break-even
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Cost of points—Monthly savings—Savings over 5 years—
DSCR
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Loan amount—Full monthly payment (PITIA)—Monthly cash flow before repairs/vacancy—
Estimate only, using the rate you enter. Not a rate quote, loan offer or commitment to lend. Actual rate, APR and payment depend on credit, loan program, property, loan amount and market conditions.
A broker works for your file, not a single bank's rate sheet
A bank can only offer its own programs. As a mortgage broker, Kristen submits your loan to the wholesale lender whose guidelines and pricing fit you, whether that's a 580-score FHA buyer, a self-employed owner with big write-offs or a Bellevue jumbo.
When one lender's guideline says no, another lender's often says yes. Matching your scenario to that lender is the job.
Loan programs
- Buy a homePre-approval, offer strategy and a loan matched to your budget, from first condo to forever home.
- RefinanceLower the payment, drop mortgage insurance, take cash out or consolidate debt.
- FHA loans3.5% down with a 580 score, flexible credit and gift-friendly down payments.
- VA loans0% down, no monthly mortgage insurance, for veterans and service members.
- Conventional loansFrom 3% down, with mortgage insurance you can remove later.
- Jumbo loansFinancing above the conforming limit, for Eastside, waterfront and luxury homes.
- USDA loans0% down in eligible rural and small-town areas.
- First-time buyersLow down payment programs, assistance and a plan from first call to keys.
- Down payment assistanceWSHFC and local programs that help cover the down payment.
- Self-employed loansBank statement, 1099, P&L and asset-based options when tax returns don't tell the whole story.
- Investor & DSCR loansQualify on the property's rent with DSCR, or use conventional investor financing.
From first call to keys
Talk it through
A short call about goals, timing and budget. No credit pull to start.
Pre-approval
Income, assets and credit reviewed up front, so your letter is real.
Lender match
Your file goes to the wholesale lender that fits it.
Close
Appraisal, underwriting, signing. Updates to you and your agent at every step.
Every corner of Washington
Seattle condos and Spokane starter homes, Kitsap VA purchases, Yakima USDA loans, San Juan Island second homes, Tri-Cities investors. Find local loan limits and program notes for your county.
Real estate agents
Underwritten pre-approvals, quick turn on updated letters, straight answers on tough files, and a loan officer who answers the phone on a Saturday offer deadline.
Investors: financing from someone who invests
Flips, long-term rentals, Airbnbs and portfolios. Kristen has done all of them herself, and arranges DSCR, fix-and-flip, short-term rental and portfolio loans across Washington.
Questions people ask first
What does a mortgage broker do?
A mortgage broker compares loan programs and pricing from many wholesale lenders and arranges the loan with the one that fits. Kristen Hordyk is a licensed mortgage broker loan originator in Washington.
What areas does Team Kristen serve?
All 39 Washington counties, from Seattle, Bellevue and Tacoma to Spokane, Vancouver, the Tri-Cities, Bellingham, Olympia and rural communities statewide.
Is a broker more expensive than a bank?
Not inherently. Brokers are paid either by the borrower or by the lender, never both on the same loan, and compensation is disclosed on your Loan Estimate. Because wholesale pricing varies by lender, comparing several often lowers total cost.
What do I need to get pre-approved?
Typically 30 days of pay stubs, two years of W-2s (or tax returns if self-employed), two months of bank and asset statements, and a government-issued ID. Kristen sends a precise list after a short conversation.