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 type | 1-unit limit |
|---|---|
| Conforming | $832,750 |
| FHA | Set by HUD for Whatcom County (see county page) |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $832,750 |
Loan options in Bellingham
- FHA loans
- VA loans
- Conventional loans
- USDA loans (eligible addresses)
- First-time buyer programs
- Investor & DSCR loans
- Refinance
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.

