Team Kristen arranges home purchase and refinance loans throughout Grays Harbor County, Washington, including Aberdeen, Hoquiam, Ocean Shores, Elma, Montesano and Westport. The 2026 conforming loan limit for a one-unit home in Grays Harbor County is $832,750; loans above that are jumbo.
2026 loan limits in Grays Harbor County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up Grays Harbor County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in Grays Harbor County
Second homes, vacation rentals and flood-zone insurance are frequent factors. DSCR loans can finance qualifying short-term rentals.
Programs that fit Grays Harbor County buyers
- Conventional (3% down for first-time buyers)
- FHA (3.5% down with a 580+ score)
- VA (0% down for eligible veterans)
- USDA (0% down in eligible areas outside town centers)
- Bank statement loans for self-employed buyers
- DSCR loans for rental properties
- WSHFC down payment assistance
Communities served
Aberdeen, Hoquiam, Ocean Shores, Elma, Montesano, Westport, and every other address in Grays Harbor County. County seat: Montesano.
Common questions
What is the 2026 conforming loan limit in Grays Harbor County, WA?
$832,750 for a one-unit home. That's the national baseline; only King, Pierce and Snohomish counties are higher.
Is there a mortgage broker who serves Grays Harbor County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Grays Harbor County, including Aberdeen.
Can I get a 0% down loan in Grays Harbor County?
VA loans offer 0% down for eligible veterans anywhere in the county. USDA loans offer 0% down at USDA-eligible addresses, which include many areas outside town centers; income limits apply.