Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Gig Harbor, Washington. Gig Harbor 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 Gig Harbor
Waterfront, view and acreage properties are common, and some purchases approach jumbo range.
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 Gig Harbor
| 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 Gig Harbor
- 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, University Place, Bonney Lake.
Common questions
Who is a mortgage broker in Gig Harbor, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Gig Harbor and across Pierce County.
What is the 2026 conforming loan limit in Gig Harbor?
$1,063,750 for a one-unit home, the Pierce County limit. Loans above that are jumbo.
Can I buy a home in Gig Harbor 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.

