NMLS #2564353 · Licensed in WA & NM (505) 917-0495Realtor CornerClient portal sign in

Bellingham mortgage broker

Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Bellingham, Washington. Bellingham is in Whatcom County, where the 2026 conforming loan limit for a one-unit home is $832,750. As a mortgage broker, Kristen compares programs from many wholesale lenders instead of one bank's.

Buying in Bellingham

A university-town market with first-time buyers, investors and buyers near the Canadian border.

Buyers include university faculty and staff, Canadian-border commuters, agricultural workers and retirees; USDA covers many areas outside Bellingham and Mount Vernon.

2026 loan limits for Bellingham

Loan type1-unit limit
Conforming$832,750
FHASet by HUD for Whatcom County (see county page)
VA (full entitlement)No VA loan limit
JumboAbove $832,750

Loan options in Bellingham

More about Whatcom County home loans.

Common questions

Who is a mortgage broker in Bellingham, WA?

Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Bellingham and across Whatcom County.

What is the 2026 conforming loan limit in Bellingham?

$832,750 for a one-unit home, the Whatcom County limit. Loans above that are jumbo.

Can I buy a home in Bellingham with a low down payment?

Yes. VA and USDA (at eligible addresses) allow 0% down, conventional allows 3% for first-time or income-eligible buyers, and FHA allows 3.5%. Washington down payment assistance may help further.

What clients say

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!
★★★★★Charisse S.Posted on Google

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