Team Kristen, led by Kristen Hordyk (NMLS #2564353), arranges purchase, refinance and investment property loans in Tumwater, Washington. Tumwater is in Thurston 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 Tumwater
A mix of established neighborhoods and new construction with steady state-employee buyers.
Steady state-government and military employment, a mix of new construction and established neighborhoods, and USDA-eligible areas toward the rural edges.
2026 loan limits for Tumwater
| Loan type | 1-unit limit |
|---|---|
| Conforming | $832,750 |
| FHA | Set by HUD for Thurston County (see county page) |
| VA (full entitlement) | No VA loan limit |
| Jumbo | Above $832,750 |
Loan options in Tumwater
- FHA loans
- VA loans
- Conventional loans
- USDA loans (eligible addresses)
- First-time buyer programs
- Investor & DSCR loans
- Refinance
More about Thurston County home loans. Nearby: Olympia, Lacey.
Common questions
Who is a mortgage broker in Tumwater, WA?
Kristen Hordyk of Team Kristen (NMLS #2564353) is a Washington-licensed mortgage loan originator who arranges loans in Tumwater and across Thurston County.
What is the 2026 conforming loan limit in Tumwater?
$832,750 for a one-unit home, the Thurston County limit. Loans above that are jumbo.
Can I buy a home in Tumwater 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.

