Conventional Loans · Washington · NMLS #1603937

Get your custom rate quote in under 60 seconds.

We compare 20+ wholesale lenders to find competitive conventional rates in Washington. No credit pull. Pre-approval in 24 hours.

Step 1 of 5

What are you looking to do?

Pick the closest match. You can change this with your loan officer.

Step 2 of 5

When do you want to close?

No commitment — this just helps us prioritize your file.

Step 3 of 5

What's your credit score range?

Estimate is fine. We don't pull your credit at this stage.

Step 4 of 5

Estimated property value

Drag to adjust. Round number is fine — we use it to size your loan options.

$450,000

$100K $1M $2M $3M+

Step 5 of 5 — Final step

Where can a loan officer reach you?

We call within 24 hours. No credit pull.

✓ No credit pull ✓ No obligation ✓ Real loan officer · 24h

✓ Got it.

A Washington-licensed loan officer will call you within 24 hours. If you'd rather we call sooner, dial (702) 420-0655.

Or call us right now: (702) 420-0655

Conventional Loans in Washington

What Washington buyers need to know

Washington's housing market is anchored by the Seattle-Bellevue tech corridor — one of the highest-wage and highest-priced metros in the country. King, Snohomish, and Pierce are designated high-balance counties, expanding conforming limits well above the national baseline.

Conforming limit (2026)

$806,500 ($1,209,750 in King, Pierce, Snohomish counties)

Top markets

Seattle · Spokane · Tacoma

Qualification Guide

Conventional Loan Eligibility in Washington

Key thresholds for approval.

Credit Score

620+

Minimum 620 typically required. Higher scores unlock better rates. 740+ qualifies for the best pricing.

Down Payment

As Low as 3%

First-time buyers may qualify for 3% down. Standard conventional requires 5%. 20% eliminates PMI.

Debt-to-Income Ratio

45% or Less

Total monthly debts including the new mortgage typically should not exceed 45% of gross monthly income.

Conforming Loan Limits

Up to $806,500+

The 2026 conforming limit is $806,500 for most areas, with higher limits in designated high-cost counties.

Lending Arena, NMLS #1603937. Licensed by the Washington State Department of Financial Institutions, Consumer Services Division, as a Consumer Loan Company. Equal Housing Lender. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans are subject to credit and property approval.