NMLS #2564353 · Licensed in WA & NM (505) 917-0495Realtor CornerClient portal sign in

Monroe mortgage broker

Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Monroe, Washington. Monroe 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 Monroe

Acreage and rural-edge properties are common, and some addresses on the outskirts may be USDA-eligible.

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 Monroe

Loan type1-unit limit
Conforming$1,063,750
FHA$1,063,750
VA (full entitlement)No VA loan limit
JumboAbove $1,063,750

Loan options in Monroe

More about Snohomish County home loans. Nearby: Everett, Lynnwood, Marysville, Edmonds, Bothell, Lake Stevens.

Common questions

Who is a mortgage broker in Monroe, WA?

Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Monroe and across Snohomish County.

What is the 2026 conforming loan limit in Monroe?

$1,063,750 for a one-unit home, the Snohomish County limit. Loans above that are jumbo.

Can I buy a home in Monroe 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.

What clients say

I’m so grateful to have had Kristen as our loan officer during our home-buying journey. Buying a home can be incredibly stressful, especially with all the moving pieces involved, but Kristen was always there to answer my questions, explain things clearly, and keep everything moving forward. She was patient, responsive, and genuinely cared about helping my family get into our new home. I never felt like just another client. Thank you, Kristen, for all your hard work and for helping make this experience so much smoother for us. We truly appreciate you!
★★★★★Charisse S.Posted on Google

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