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 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 Monroe
- FHA loans
- VA loans
- Conventional loans
- Jumbo loans
- First-time buyer programs
- Investor & DSCR loans
- Refinance
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.

