Lake Stevens, Snohomish County
Snohomish County shares King County's high-balance limits; light rail and the Boeing/Paine Field economy keep demand steady.
We serve Lake Stevens by phone, text and video from our office in Edmonds, in English or Spanish.
Local numbers
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.
Common questions
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.
Yes. The Snohomish County FHA limit is $977,500, which covers a typical Lake Stevens 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.
Usually not. The 2026 conforming limit is $1,209,750, and a typical Lake Stevens purchase lands well under it, so you get agency pricing from every lender we work with.
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 Lake Stevens purchase before anything is promised.
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.
