Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Lacey, Washington. Lacey is in Thurston 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 Lacey
Close to Joint Base Lewis-McChord, so VA loans are common alongside first-time buyer programs.
Steady state-government and military employment, a mix of new construction and established neighborhoods, and USDA-eligible areas toward the rural edges.
2026 loan limits for Lacey
| Loan type | 1-unit limit |
|---|---|
| Conforming | $832,750 |
| FHA | Set by HUD for Thurston County (see county page) |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $832,750 |
Loan options in Lacey
- FHA loans
- VA loans
- Conventional loans
- USDA loans (eligible addresses)
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about Thurston County home loans. Nearby: Olympia, Tumwater.
Common questions
Who is a mortgage broker in Lacey, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Lacey and across Thurston County.
What is the 2026 conforming loan limit in Lacey?
$832,750 for a one-unit home, the Thurston County limit. Loans above that are jumbo.
Can I buy a home in Lacey 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.

