Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Kirkland, Washington. Kirkland is in King 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 Kirkland
Eastside pricing often puts buyers in high-balance conforming or jumbo territory, and waterfront and view properties are 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.
2026 loan limits for Kirkland
| 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 Kirkland
- FHA loans
- VA loans
- Conventional loans
- Jumbo loans
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about King County home loans. Nearby: Seattle, Bellevue, Redmond, Sammamish, Issaquah, Renton.
Common questions
Who is a mortgage broker in Kirkland, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Kirkland and across King County.
What is the 2026 conforming loan limit in Kirkland?
$1,063,750 for a one-unit home, the King County limit. Loans above that are jumbo.
Can I buy a home in Kirkland 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.

