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

Richland mortgage broker

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

Hanford-related and research employment supports steady demand, with conventional and FHA purchases common.

Much of the area outside the city cores is USDA-eligible, and the region has a large share of buyers with steady government-contract and agricultural employment. New construction and acreage are common.

2026 loan limits for Richland

Loan type1-unit limit
Conforming$832,750
FHASet by HUD for Benton County (see county page)
VA (full entitlement)No VA loan limit
JumboAbove $832,750

Loan options in Richland

More about Benton County home loans. Nearby: Kennewick.

Common questions

Who is a mortgage broker in Richland, WA?

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

What is the 2026 conforming loan limit in Richland?

$832,750 for a one-unit home, the Benton County limit. Loans above that are jumbo.

Can I buy a home in Richland 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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