2026 Fannie Mae Loan Limits in Washington State – What Homebuyers Need to Know

Homebuyers in Washington State just got some good news. As home prices continue to rise across the state, the 2026 Fannie Mae conforming loan limits have increased, giving borrowers more buying power while still benefiting from the competitive pricing of conforming loans.

If you’re purchasing a home in 2026 — especially in competitive markets like Seattle, Tacoma, or Bellevue — these new limits could make a big difference in what you can afford.

In this guide, we’ll break down:

What conforming loan limits are

The new 2026 limits for Washington counties

High-cost areas where limits are higher

How this impacts VA and FHA buyers

How to qualify for the best rates in 2026

What Are Conforming Loan Limits?

Conforming loan limits are the maximum loan sizes that can be purchased by Fannie Mae & Freddie Mac. Staying under these limits means:

✔ Lower interest rates
✔ Easier qualification
✔ Smaller down payment options
✔ Faster underwriting approvals

Loans above these limits are considered jumbo loans, which may require higher credit scores or larger down payments.

2026 Conforming Loan Limits in Washington State

The baseline limit for most counties in Washington for a single-family home in 2026 is:

➡️ $832,750

However, some higher-cost markets — particularly in the Seattle region — have increased conforming limits due to higher local housing prices:

➡️ $1,063,750 in King, Pierce & Snohomish Counties

2026 Washington State Loan Limits by County
County Metro Area 2026 Conforming Limit
Adams Othello, WA $832,750
Asotin Lewiston, ID-WA $832,750
Benton Kennewick-Richland $832,750
Chelan Wenatchee-East Wenatchee $832,750
Clallam Port Angeles $832,750
Clark Portland-Vancouver-Hillsboro $832,750
Cowlitz Longview-Kelso $832,750
Douglas Wenatchee-East Wenatchee $832,750
Franklin Kennewick-Richland $832,750
Grant Moses Lake $832,750
Grays Harbor Aberdeen $832,750
Island Oak Harbor $832,750
Jefferson Port Townsend $832,750
King Seattle-Tacoma-Bellevue $1,063,750
Kitsap Bremerton-Silverdale-Port Orchard $832,750
Kittitas Ellensburg $832,750
Lewis Centralia $832,750
Mason Shelton $832,750
Pierce Seattle-Tacoma-Bellevue $1,063,750
Skagit Mount Vernon-Anacortes $832,750
Skamania Portland-Vancouver-Hillsboro $832,750
Snohomish Seattle-Tacoma-Bellevue $1,063,750
Spokane Spokane-Spokane Valley $832,750
Stevens Spokane-Spokane Valley $832,750
Thurston Olympia-Lacey-Tumwater $832,750
Walla Walla Walla Walla $832,750
Whatcom Bellingham $832,750
Whitman Pullman $832,750
Yakima Yakima $832,750

Thanksgiving has a special way of bringing families together, and with that comes meaningful conversations about the future. While everyone gathers around the table, it’s natural to talk about plans, goals, and dreams for the coming year. For many families, homeownership is one of the biggest and most exciting milestones to plan for — and the holiday season creates the perfect space to start that discussion in a relaxed, supportive setting.
As you enjoy time with loved ones, sharing your vision for buying a home can help everyone get on the same page. Whether it’s deciding what area you want to live in, discussing budget expectations, or thinking about the features that matter most, Thanksgiving offers the chance to explore these ideas without pressure. You might even find that family members have helpful insights or experiences that make your path forward clearer.
It’s also a great moment to review where you currently stand financially. The end of the year is ideal for looking at income, savings, and credit goals — all of which play an important role in preparing for homeownership. Making a simple plan now can make the early months of the new year far more productive, giving you a confident head start before the busy spring market arrives.
If you’re ready to turn your homeownership plans into action, we’re here to help you take the next step. For more information, please visit our website to schedule a consultation.

Becoming a homeowner when you’re self-employed can feel intimidating, but with the right preparation, it’s absolutely within reach. One of the most important steps is organizing your financial documents early. Lenders will typically ask for two years of tax returns, year-to-date profit and loss statements, and consistent income records. By gathering these documents ahead of time, you make the process smoother and show that your business income is reliable.
Another key step is strengthening your credit profile. Even if your income varies from month to month, a strong credit score can help offset that volatility. Paying down revolving debt, avoiding new credit applications, and monitoring your credit report for errors can make a big difference in the loan programs you qualify for. Self-employed borrowers often find that small credit improvements unlock better rate options and more flexible approval paths.
It’s also smart to prepare a financial cushion. Savings not only demonstrate stability to lenders but also give you confidence when unexpected business expenses arise. A healthy reserve can help you qualify for more programs—especially those that look closely at cash flow, such as bank-statement loans. Planning ahead gives you more control and keeps your budget steady throughout the homebuying journey.
With a little preparation and the right mortgage guidance, self-employed buyers can navigate the process with ease. If you’d like personalized help exploring your options, please visit our website to schedule a consultation.

Investing in your first rental or income-producing property is an exciting milestone, and getting your financing right is the key to long-term success. Many new investors are surprised to learn that lenders look at different factors for investment loans than they do for traditional primary-residence mortgages. Understanding these requirements upfront can help you plan confidently and move quickly when the right property appears.
One of the biggest differences is how lenders evaluate risk. Since investment properties carry higher financial uncertainty, lenders typically focus more on your credit profile, reserves, and overall financial stability. They’ll look at your debt-to-income ratio, your history of managing credit, and whether you have sufficient savings to cover unexpected expenses or temporary vacancies. Having clean, organized financial documentation can make this process smoother and increase your approval odds.
Another major factor is the property itself. Lenders want to see that the home has strong rental potential and can realistically generate enough income to support the mortgage payment. This is where things like market rents, location, property condition, and expected cash flow really matter. Even if you’re new to investing, partnering with a knowledgeable loan professional can help you analyze these numbers and choose a property that positions you for long-term success.
Getting into real estate investing is one of the most powerful ways to build wealth, and your first property is a major step forward. With the right financing strategy and clear guidance, you can set yourself up with a strong investment from day one. For more information, please visit our website to schedule a consultation.

If you’ve been waiting for the “perfect moment” to buy a home, you’re not alone. Many buyers watch mortgage rates like stock prices, hoping to catch the market at its absolute lowest point. But here’s the truth: the best time to buy isn’t when rates hit a magic number — it’s when you’re financially and emotionally ready to take the next step toward your goals.
Markets move in cycles, but opportunity is constant. Smart buyers focus less on short-term rate dips and more on long-term stability. Even a small rate change is often outweighed by home appreciation, potential tax benefits, and the comfort of having a place to truly call your own. The key is understanding your numbers and working with a professional who can help you navigate them.
In fact, trying to “time” the housing market can backfire — while you wait, prices can rise, inventory can shrink, and the perfect home for you might slip away. By getting pre-approved and locking in expert guidance, you put yourself in control instead of letting market headlines make the decisions for you.
For more information, and to discover how you can make confident moves in today’s market, please visit our website to schedule a consultation today.

The ghosts and goblins may be out this month, but buying a home doesn’t have to be scary. While the headlines can make the mortgage market sound like a haunted house, today’s buyers actually have more tricks and treats to look forward to. From improving credit scores to exploring creative loan programs, there are plenty of ways to turn those frights into financial delights.
This Halloween season, smart homebuyers are getting ahead of the curve by locking in favorable terms before year-end. As interest rates show signs of easing, the window for opportunity is creaking open. Refinancing or purchasing before the next rate change could save thousands over the life of your loan — now that’s something worth celebrating with a pumpkin-spiced latte!
And for those still renting, remember: every rent check is a ghost of wealth that could have been. Homeownership remains one of the most powerful ways to build equity and stability — no costume required. With expert guidance, even first-time buyers can find a program that fits their budget and lifestyle.
So don’t let mortgage myths spook you this October. Our team is here to shine a light through the fog and guide you safely home. For more information or to schedule a consultation, visit our website today — no tricks, just treats! 🏡👻

There’s great news for homebuyers and homeowners alike—mortgage rates have dropped to their lowest level this year. According to the latest report from Freddie Mac, the average 30-year fixed rate has fallen to 6.19%, down from 6.27% just a week earlier. It’s a welcome shift that’s sparking new energy in the housing market and offering relief to borrowers who’ve been waiting for the right time to act.
This decline follows a dip in 10-year Treasury yields, a major factor in determining mortgage rates. With economic uncertainty surrounding the government shutdown and major corporate bankruptcies, bond yields have eased, giving rates room to move lower. Freddie Mac’s chief economist, Sam Khater, noted that rates are now nearly a full percentage point below where they started in early 2025 — a significant improvement that’s already fueling more refinancing activity.
Refinancing now accounts for over half of all mortgage activity, and more buyers are re-entering the market as affordability improves. While home prices remain elevated, this new rate environment could be the spark the industry needs to boost sales and bring balance back to supply and demand. Even a small reduction in rates can make a big difference in monthly payments — giving more families the opportunity to achieve homeownership.
The housing picture is beginning to brighten again, with the National Association of Realtors reporting a slight uptick in existing-home sales and higher inventory levels. Momentum is building, and this could be the start of a much-needed rebound in 2025. For more information or to explore your refinancing or buying options, visit our website today to schedule a consultation with one of our mortgage experts.

Buying a home is one of the biggest milestones in life, and choosing the right loan can make all the difference. Two of the most popular options for buyers today are FHA loans and Conventional loans. Each has its own benefits, and understanding them can help you find the perfect fit for your budget and goals.
FHA loans, backed by the Federal Housing Administration, are designed to make homeownership accessible to more people. They allow lower down payments (as little as 3.5%) and have more flexible credit requirements. This makes FHA loans ideal for first-time homebuyers or those who may have a lower credit score but steady income. You’ll also pay mortgage insurance premiums, which help protect lenders but slightly increase monthly costs.
Conventional loans, on the other hand, are not government-backed. They typically require a higher credit score and a down payment of at least 3–5%, but they can offer more flexibility in loan terms and the potential to avoid mortgage insurance once you reach 20% equity. Buyers who have strong credit and stable finances often find that Conventional loans offer more long-term savings.
Ultimately, the best choice depends on your financial situation, homeownership goals, and how long you plan to stay in the home. A trusted mortgage professional can walk you through both options and help you decide what’s best for your future. For more information and to see which loan type fits your goals, please visit our website to schedule a consultation.

When buying a home, most people focus on their mortgage rate, down payment, and monthly budget. But one often-overlooked step that can make or break your investment is the appraisal. A strong appraisal not only confirms the home’s value but also protects you from overpaying in a competitive market.
Appraisals are performed by licensed professionals who assess a property’s worth by looking at its condition, location, and comparable recent sales. Lenders use this figure to ensure the loan amount is appropriate. If the appraisal comes in higher than expected, you immediately gain equity. If it’s lower, it opens the door to negotiating a better price with the seller.
Beyond the loan process, a good appraisal provides peace of mind. It reassures you that you’re making a sound financial decision, and in some cases, it can even highlight improvements that may boost the property’s future value. This makes the appraisal a key tool in your long-term financial planning.
Whether you’re a first-time buyer or a seasoned homeowner, understanding the importance of an appraisal can give you an edge in your purchase. For more information and personalized guidance, please visit our website to schedule a consultation.

As the leaves start to change and the days get shorter, fall is the perfect season to prepare your home for the months ahead. Taking a few preventative steps now can save you money, protect your investment, and give you peace of mind when winter arrives. Simple tasks like cleaning gutters, sealing windows, and servicing your heating system can go a long way in keeping your home safe and energy-efficient.
Fall is also an ideal time to check your homeowners insurance coverage. With storms, colder temperatures, and holiday travel on the horizon, making sure your policy reflects your home’s current value and any recent improvements can prevent surprises later. Updating your coverage after a major home upgrade ensures you’re fully protected.
Another benefit of fall prep is boosting your home’s curb appeal. Planting autumn flowers, freshening up exterior paint, and raking leaves not only make your home inviting but can also add value. Small improvements today can contribute to long-term equity growth and even help if you plan to refinance or sell in the future.
This season is all about planning ahead, and your home is no exception. By investing a little time and effort this fall, you can protect your property, strengthen your financial position, and enjoy the cozy months with peace of mind. For more information and to schedule a consultation, please visit our website today.