Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Everett, Washington. Everett is in Snohomish 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 Everett
Home to Naval Station Everett, so VA loans are common, along with condos and 2–4 unit properties.
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 Naval Station Everett can use VA financing with no down payment and no monthly mortgage insurance.
2026 loan limits for Everett
| 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 Everett
- FHA loans
- VA loans
- Conventional loans
- Jumbo loans
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about Snohomish County home loans. Nearby: Lynnwood, Marysville, Edmonds, Bothell, Lake Stevens, Mill Creek.
Common questions
Who is a mortgage broker in Everett, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Everett and across Snohomish County.
What is the 2026 conforming loan limit in Everett?
$1,063,750 for a one-unit home, the Snohomish County limit. Loans above that are jumbo.
Can I buy a home in Everett 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.

