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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

Kirkland, King County

Your Kirkland mortgage broker, priced for King County.

Jumbo and high-balance conforming side by side; we price both and show which wins.

Conforming loan limit
$1,209,750
FHA loan limit
$977,500
Typical property tax
0.85% of value
Typical home price
$1,250,000
Population
92,175

We serve Kirkland 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

SeattleBellevueKentRentonFederal WayAuburnRedmondSammamishShorelineBurien

See your Kirkland rate

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

Local numbers

What a typical Kirkland purchase costs today

A $1,250,000 home with 10% down is a $1,125,000 loan. At today's lowest-cost 30-year fixed, 6.875%, that's about $7,390 a month in principal and interest, before roughly $885 in King 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 fits condos and smaller homes here.The King County FHA limit is $977,500; above that, conventional with 3 to 5% down or VA with zero down are the usual routes.
  • 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.
  • Prices often straddle the high-balance conforming limit, so we price conforming and jumbo side by side and show which costs less.
  • Many buyers have stock-based pay; we document it the way agency guidelines allow.
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Common questions

How much is a mortgage payment on a typical Kirkland home?

On a $1,250,000 home with 10% down and today's lowest-cost 30-year fixed at 6.875%, principal and interest is about $7,390 a month. King County property tax adds roughly $885 a month, plus insurance and, under 20% down, mortgage insurance. The card on this page prices your own numbers.

Does FHA work for a Kirkland purchase?

Only partly. The King County FHA limit is $977,500, and a typical Kirkland home with 3.5% down is above it, so most buyers here use conventional (up to $1,209,750) or VA, which has no limit with full entitlement. FHA still fits condos and homes below the limit.

Do you need a jumbo loan in Kirkland?

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

Is there down payment help for Kirkland 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 Kirkland purchase before anything is promised.

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

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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