Jumbo Loans in Seattle, WA
Financing above the conforming limit for higher-priced homes.
Work directly with Jodie Barber, a mortgage broker with 30 years of experience serving Seattle and all of King County.
Seattle at a glance
Largest WA metro; Redfin 3-mo median ~$879K (single-month June reads reached ~$985K). Above the $1,063,750 King limit -> jumbo is a real product here. Inventory at a 14-year high is softening prices. Conventional/jumbo, FTHB and refi lead; VA is secondary.
Serving Seattle neighborhoods including Ballard, Capitol Hill, Queen Anne, West Seattle, Fremont, Columbia City.
Why a jumbo loan in Seattle?
Buyers in higher-cost markets purchasing above the 2026 conforming/high-cost limit.
- ✦Loan amounts above the conforming limit
- ✦Competitive jumbo rates and terms
- ✦Options for strong-credit, higher-reserve borrowers
WSHFC Home Advantage (DPA) — Up to 5% of the first-mortgage amount. Pair with a Home Advantage first mortgage; ~620 min FICO; homebuyer education required; not limited to first-time buyers; income limits up to $180,000 in King/Pierce/Snohomish (lower in other counties). A needs-based option offers up to $10,000 at 1% interest, deferred 30 years.
Jumbo Loans FAQ
- When do I need a jumbo loan?
- When your loan amount exceeds your county's 2026 conforming limit. I'll tell you the exact threshold for your area and whether a jumbo is needed.
“Homeownership is a partnership.” Let's talk about your jumbo loan in Seattle. No pressure — just straight answers from someone who's done this for 30 years.