Your Bellevue mortgage broker, priced for King County.

It depends on your price, down payment, credit and loan type. Your payment is principal and interest plus King County property tax, homeowners insurance and, under 20% down, mortgage insurance. Text us your numbers and we send you an exact quote with every cost, usually the same day.

Only partly. The King County FHA limit is $1,063,750, and a typical Bellevue home with 3.5% down is above it, so most buyers here use conventional (up to $1,063,750) or VA, which has no limit with full entitlement. FHA still fits condos and homes below the limit.

Often. With 10% down on a $1,450,000 home the loan is over the $1,063,750 conforming limit, so it prices as jumbo. We quote jumbo from more than one lender, and sometimes a larger down payment or a conforming first with a second lien costs less. We show you both.

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 us you have under 5% saved and we check what you qualify for on your Bellevue 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.