Conforming & high-balance
Compare your mortgage amount with the applicable county limit. High-balance sits above the national baseline but within the county limit.
Understand county loan limitsMORTGAGE LENDING GROUP LLC · SEATTLE & BEYOND
Seattle Mortgage Broker
A clearer path to the place you call home.
Personal mortgage guidance for your next move. Let’s make the numbers—and the next step—feel clear.
Find my starting pointServing Seattle from our Edmonds office.
English & Spanish · NMLS #1157983 · CL-1157983
01 / YOUR STARTING POINT
Where are you in the story?
Choose what feels like you. We’ll take it from there.
Picture the home. Get comfortable with the numbers.
A first home or your next home starts with a payment that leaves room for the life around it.
- 01
Find a comfortable payment
Start with your everyday budget and the cash you want to keep.
- 02
Compare financing options
See how down payment, fees and loan choices work together.
- 03
Prepare for the purchase
Know the documents, property questions and next steps.
A CLEAR PATH. CONTINUED SUPPORT.
For your next move.
And the life after it.
Understand the decisions ahead and the support you can plan on along the way.
Before you commit
Discuss your goals
A comfortable payment, cash on hand, your timeline. We start with what matters to you.
Consider the options
Compare financing choices side by side, including keeping your current mortgage when that fits best.
Check costs & break-even
Look at fees, points and total costs over your timeline—not just the monthly payment.
Explore break-evenWhat to know
For a refinance or paid discount points, compare the upfront cost with the expected benefit and how long you plan to keep the loan.
From your decision to your first payment
Choose when to lock
Review pricing, lock length and extension costs against your closing date and comfort with rate changes.
What to know
A lock protects specified terms for a limited time, subject to its conditions. Timing cannot guarantee the lowest available rate.
Close with a clear picture
Review the final numbers and remaining steps together. Know what is due, when and to whom.
Follow up on payment one
Check your first due date, servicer details and payment setup so you know what happens after closing.
As your life and goals change
Build a savings routine
Explore autopay and optional extra-principal payments that fit your budget and could reduce interest.
What to know
Autopay alone does not reduce interest. Set it up with your servicer; confirm how extra payments reach principal, any fees or prepayment terms, and that the amount leaves room for your other priorities.
Revisit about every six months
Agree on a check-in to revisit your goals, current loan and available options—or reach out sooner when life changes.
What to know
A lower advertised rate is a starting point for a comparison. Include closing costs, the new loan term and break-even before deciding whether a change is worthwhile.
Your priorities lead.
We help you make the next decision.
02 / A PERSON IN YOUR CORNER
Bring the question.
We’ll work through it together.
I’m Enrique. I help Seattle-area buyers and homeowners understand their mortgage choices, from our office in Edmonds. You can start with one question, a property, or a quote you want to compare.
Enrique Pelayo Jr, AMPNMLS #131435 · English & Spanish
AMP is the Mortgage Bankers Association’s Accredited Mortgage Professional designation—additional professional education in mortgage banking. View my credential · Verify my license
A real loan officer, not an automated chat. Request a time below; Enrique will confirm availability.
Meet the mortgage broker teamSend Enrique your next-step request
Just researching? Browse written mortgage answers. These educational resources are separate from a personal conversation with Enrique.
YOUR GOAL. A CLEAR NEXT STEP.
Compare a mortgage for the life you want.
A Seattle purchase, a better-fitting refinance, or a second look at a quote: start with the decision in front of you. We compare relevant options through our wholesale lending relationships and explain the costs before you commit.
Tell us your comfortable payment and timeline.
Compare loan options, upfront costs and cash left over.
Choose a next step with the conditions clearly explained.
Start with your goal. Keep account numbers and financial documents out of a public question; we will direct you to a secure document process.
A closer look, when you’re ready.
Seattle property questions, financing choices and the details behind a confident decision.
Compare lenders, Loan Estimates and costs
ALREADY HAVE A QUOTE? BRING IT.
Put the offers side by side.
A lower rate can come with higher upfront costs. We’ll help you compare points, lender fees, credits, the monthly payment and cash to close. Match the loan amount, term and lock period so you can see what actually differs.
The CFPB recommends comparing multiple Loan Estimates. Keep shopping with your bank or another broker if you wish. Our review has no obligation and no credit pull.
Review my Loan EstimateILLUSTRATIVE COMPARISON · NOT LOAN OFFERS
| Compare | Offer A | Offer B |
|---|---|---|
| Loan amount & term | Same | Same |
| Rate & lock | Verify | Verify |
| Points & lender fees | Compare | Compare |
| Lender credits | Compare | Compare |
| Cash to close | Review | Review |
Hypothetical example: an option that costs $3,000 more upfront and saves $50 monthly takes 60 months to recover that extra cost by simple payment savings. Selling sooner changes the decision. This illustration excludes time value of money and remaining-balance differences.
Local guidance for your Seattle home
LOCAL GUIDANCE · CLEAR EXPECTATIONS
Why an Edmonds broker for a Seattle home?
You should know where your mortgage professional is based. Our office is at 123 2nd Ave S, Suite 230, Edmonds, WA 98020. We serve Seattle buyers and homeowners from that location; we do not claim a Seattle branch.
You can start a conversation through Ask Enrique or by phone. If meeting in person helps, arrange a time at the office. Tell us your preferred communication style and what you need explained. The goal is a manageable process with clear next steps.
Enrique’s AMP designation means Accredited Mortgage Professional, a professional education designation from the Mortgage Bankers Association. Read about his experience and credential, then ask how that guidance applies to your plans.
Start with the property and your budget.
For a Seattle condo, association dues, assessments and building eligibility can change the financing picture. For a larger purchase, the mortgage amount can put you on either side of the county loan limit. For a refinance, include costs and the time you expect to keep the loan.
We serve buyers considering Ballard, Greenwood, Northgate, Capitol Hill, West Seattle and other Seattle neighborhoods. Eligibility comes from your circumstances and the actual property, not a neighborhood label.
Researching where to buy? The Seattle homebuying guide covers local planning, property questions and payment examples. This page is your next step when you want personal financing help.
Explore mortgage and home-equity options
Financing options worth comparing
Business owner or independent contractor? Explore self-employed mortgage options with Enrique.
Start with the purpose of the loan, cash available and documentation. There is no automatic winner across programs, and availability depends on lender and borrower requirements.
Sources: FHFA loan limits · HUD condominium financing. For building-specific questions, see our Seattle condo financing guide.
What clients say about working with Enrique
A SEATTLE HOMEOWNER’S EXPERIENCE
“He was with us every step.”
“From initial contact through closing he was with us every step. He was transparent, patient with all of our questions, easy to contact and always available when we needed guidance.”
Jay Markham · Seattle refinance · Google review,
Read reviews on GoogleVerbatim excerpt from a public review mentioning a Seattle refinance. Verified October 1, 2026. Individual experiences and results vary.
“Moreover, I found Enrique to be extremely easy to work with.”
Google review ·
“We scheduled a quick call, and from the first minute, he made everything feel manageable.”
Google review ·
Selected verbatim excerpts verified October 1, 2026. These two reviews do not establish a Seattle property location. Individual results vary.
Questions about Seattle mortgage brokers
Questions before choosing a Seattle mortgage broker
Is it cheaper to use a mortgage broker in Seattle?
Sometimes, but not automatically. A broker compares participating lenders; banks and credit unions may also offer competitive terms. Compare written offers with the same loan amount, term, points and lock period. Our Loan Estimate review is free and does not require a credit pull.
What is the downside of using a mortgage broker?
A broker does not represent every lender, and communication and fees vary. Ask which lenders were considered, who handles conditions, how compensation works and whether you can see a written comparison. Compare service as well as financing costs.
Who is the best mortgage lender in Seattle?
The right lender depends on your income documentation, property, down payment and priorities. Ask for a written explanation of why an option fits your circumstances. A useful comparison makes the tradeoffs clear instead of promising that one lender is best for everyone.
How much does a mortgage broker make on a $500,000 loan?
There is no universal dollar amount. Ask for the actual compensation arrangement and where it is disclosed in your transaction documents. The loan amount alone does not tell you the fee, and broker compensation should not be confused with your total closing costs.
Can you help with a Seattle home from an Edmonds office?
Yes. Mortgage Lending Group LLC provides Seattle-area mortgage guidance from Edmonds. Start by phone or through Ask Enrique, or arrange an office conversation. Signing and closing arrangements depend on your lender, escrow provider and transaction; confirm them before relying on an entirely remote closing.
What is the conforming loan limit in King County for 2026?
The 2026 one-unit limit is $1,063,750. High-balance conforming loans are above the national baseline and within the applicable county limit. Above that county limit, a loan is commonly jumbo. Compare the loan amount, not the purchase price, and check the property’s unit count.
Do you work with first-time buyers in Seattle?
Yes. Bring your budget, down-payment questions and timeline. We can help compare options and explain assistance questions. Mortgage Lending Group LLC does not originate WSHFC programs. Home Advantage requires an eligible participating lender. The first-time buyer and Home Advantage guides link to official resources.
¿Hablas español?
Sí. Enrique ofrece orientación hipotecaria en inglés y español desde Edmonds para compradores y propietarios de Seattle. Puede hacer preguntas y pedir ayuda para entender su Loan Estimate en español. Visite nuestros recursos en español o comuníquese mediante Ask Enrique.
First-time buyer guide · Recursos en español · 2026 loan-limit details
Planning tools and your application
YOUR NEXT STEP
Start with a payment, not a house.
Think about the monthly amount that leaves room for the rest of your life. Use our planning calculators to explore, then bring your numbers and questions. You do not need to have everything figured out before you reach out.
Enrique Pelayo Jr, AMP, NMLS #131435. Mortgage Lending Group LLC, NMLS #1157983, WA CL-1157983. Rates and program availability depend on credit, income, property, loan amount and lender requirements. This page is not a commitment to lend. Verify NMLS information. Published October 1, 2026.
Local photography credits
Seattle skyline: Josh Hild / Unsplash. Wallingford home (2006): brewbooks, CC BY-SA 2.0. Green Lake path (2017): Monikasj, CC BY-SA 4.0. Local photographs show these places when photographed, not current listings or MLG clients. Images resized, converted to WebP and cropped for display; adapted CC images retain their respective licenses.
