Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Mount Vernon, Washington. Mount Vernon is in Skagit 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 Mount Vernon
Agricultural and commuter buyers, with USDA eligibility in many surrounding areas.
Buyers include university faculty and staff, Canadian-border commuters, agricultural workers and retirees; USDA covers many areas outside Bellingham and Mount Vernon.
2026 loan limits for Mount Vernon
| Loan type | 1-unit limit |
|---|---|
| Conforming | $832,750 |
| FHA | Set by HUD for Skagit County (see county page) |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $832,750 |
Loan options in Mount Vernon
- FHA loans
- VA loans
- Conventional loans
- USDA loans (eligible addresses)
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about Skagit County home loans.
Common questions
Who is a mortgage broker in Mount Vernon, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Mount Vernon and across Skagit County.
What is the 2026 conforming loan limit in Mount Vernon?
$832,750 for a one-unit home, the Skagit County limit. Loans above that are jumbo.
Can I buy a home in Mount Vernon 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.

