Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Spokane Valley, Washington. Spokane Valley is in Spokane 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 Spokane Valley
Newer construction and established neighborhoods, popular with first-time and relocating buyers.
A strong relocation and military market. VA, FHA and first-time buyer programs are common, and USDA covers many outlying areas.
Service members at Fairchild Air Force Base can use VA financing with no down payment and no monthly mortgage insurance.
2026 loan limits for Spokane Valley
| Loan type | 1-unit limit |
|---|---|
| Conforming | $832,750 |
| FHA | Set by HUD for Spokane County (see county page) |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $832,750 |
Loan options in Spokane Valley
- FHA loans
- VA loans
- Conventional loans
- USDA loans (eligible addresses)
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about Spokane County home loans. Nearby: Spokane.
Common questions
Who is a mortgage broker in Spokane Valley, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Spokane Valley and across Spokane County.
What is the 2026 conforming loan limit in Spokane Valley?
$832,750 for a one-unit home, the Spokane County limit. Loans above that are jumbo.
Can I buy a home in Spokane Valley 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.

