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 · ENGLISH & SPANISH
Seattle Mortgage Broker
Compare lenders, not just rates.
Buying or refinancing in Seattle? Bring your questions, your comfortable payment and any Loan Estimate you already have. Enrique Pelayo Jr, AMP, helps you compare participating lenders and understand the costs before you commit.
Enrique Pelayo Jr, AMP · NMLS #131435
Mortgage Lending Group LLC · NMLS #1157983 · WA CL-1157983
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 · 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.
Financing options worth comparing
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.
How we work together
Talk through your plans.
Share your price range, income picture, comfortable payment and timing. Start with questions; a conversation is not an application or permission to pull credit.
Review the details.
If you choose to apply, provide the documents needed for your file. Ask what remains unverified, what a preapproval means and what could affect the timeline.
Compare before committing.
Request written terms and discuss costs, alternatives and rate-lock conditions. A quote can change until its terms are locked; preapproval is not final loan approval.
Stay clear on next steps.
Work through lender conditions and closing details with your agent and escrow provider. Confirm signing arrangements and funds instructions through trusted contact channels.
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 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. Home Advantage has program and participating-lender requirements; do not assume eligibility or our participation. 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
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.