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Pricing from Oct 20, 2:23 PM PT 30-yr fixed 7.000% 7.000% APR15-yr fixed 6.375% 6.412% APRFHA 30-yr 6.625% 6.625% APRVA 30-yr 6.750% 6.750% APRJumbo 30-yr 7.000% 7.002% APR

Granite Falls, Snohomish County

Your Granite Falls mortgage broker, priced for Snohomish County.

Snohomish County shares King County's high-balance limits; light rail and the Boeing/Paine Field economy keep demand steady.

Conforming loan limit
$1,209,750
FHA loan limit
$977,500
Typical property tax
0.95% of value
Typical home price
$700,000
Population
4,450

We serve Granite Falls by phone, text and video from our office in Edmonds, in English or Spanish.

Mortgage Lending Group LLC NMLS #1157983Enrique Pelayo Jr., AMP NMLS #131435

Also nearby

EverettMarysvilleEdmondsLynnwoodLake StevensMukilteoMountlake TerraceMill CreekArlingtonMonroe

See your Granite Falls rate

What would you like to do? Real lender pricing, no sign-up, no credit pull.

Local numbers

What a typical Granite Falls purchase costs today

A $700,000 home with 10% down is a $630,000 loan. At today's lowest-cost 30-year fixed, 6.875%, that's about $4,139 a month in principal and interest, before roughly $554 in Snohomish County property tax and your insurance.

  • Conforming pricing applies.The loan is under the $1,209,750 conforming limit, so every agency lender we work with competes for it.
  • FHA is on the table.The Snohomish County FHA limit of $977,500 covers a typical purchase with 3.5% down.
  • VA has no loan limit with full entitlement, and zero down. If you've served, tick the VA box on the card and it reprices.
  • First-time buyer assistance. Eligible first-time buyers can get 3.5% toward the down payment and up to 1.5% toward closing costs through us; the pre-approval checks eligibility automatically.
Pre-approve myself for Granite FallsCall 206-861-5626

Common questions

How much is a mortgage payment on a typical Granite Falls home?

On a $700,000 home with 10% down and today's lowest-cost 30-year fixed at 6.875%, principal and interest is about $4,139 a month. Snohomish County property tax adds roughly $554 a month, plus insurance and, under 20% down, mortgage insurance. The card on this page prices your own numbers.

Does FHA work for a Granite Falls purchase?

Yes. The Snohomish County FHA limit is $977,500, which covers a typical Granite Falls home with 3.5% down. Today's lowest-cost FHA 30-year is 6.625%. FHA is often the better rate when credit is under 700; above that, conventional usually wins once you compare mortgage insurance.

Do you need a jumbo loan in Granite Falls?

Usually not. The 2026 conforming limit is $1,209,750, and a typical Granite Falls purchase lands well under it, so you get agency pricing from every lender we work with.

Is there down payment help for Granite Falls buyers?

Yes. For eligible first-time buyers we can arrange assistance covering the 3.5% down payment plus up to 1.5% toward closing costs, up to 5% of the price. Tell the pre-approval you have under 5% saved and it prices the help on your Granite Falls purchase before anything is promised.

How fast can I get a pre-approval for an offer in Granite Falls?

About ten minutes if you have your income and account balances handy. The pre-approval reissues itself at any amount up to your maximum, so you can tailor it to each offer. If a listing agent wants to speak with the lender, that's a licensed originator, by phone, the same day.

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