Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Bonney Lake, Washington. Bonney Lake is in Pierce County, where the 2026 conforming loan limit for a one-unit home is $1,063,750. As a mortgage broker, Kristen compares programs from many wholesale lenders instead of one bank's.
Buying in Bonney Lake
Newer subdivisions and commuter buyers, with VA and conventional purchases common.
Buyers here are working with the state's highest loan limits and frequent multiple-offer situations. Condo buyers need a lender that will approve the specific building, and ADU or DADU properties need a lender comfortable with the appraisal.
Service members at Joint Base Lewis-McChord can use VA financing with no down payment and no monthly mortgage insurance.
2026 loan limits for Bonney Lake
| Loan type | 1-unit limit |
|---|---|
| Conforming | $1,063,750 |
| FHA | $1,063,750 |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $1,063,750 |
Loan options in Bonney Lake
- FHA loans
- VA loans
- Conventional loans
- Jumbo loans
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about Pierce County home loans. Nearby: Tacoma, Lakewood, Spanaway, Puyallup, Gig Harbor, University Place.
Common questions
Who is a mortgage broker in Bonney Lake, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Bonney Lake and across Pierce County.
What is the 2026 conforming loan limit in Bonney Lake?
$1,063,750 for a one-unit home, the Pierce County limit. Loans above that are jumbo.
Can I buy a home in Bonney Lake 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.

