Team Kristen arranges home purchase and refinance loans throughout Island County, Washington, including Oak Harbor, Coupeville, Langley, Freeland and Camano Island. The 2026 conforming loan limit for a one-unit home in Island County is $832,750; loans above that are jumbo.
2026 loan limits in Island County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up Island County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in Island County
Ferry-served markets with many second homes, well and septic systems, and buyers who need lenders comfortable with island appraisals.
Service members and veterans stationed at or retiring from Naval Air Station Whidbey Island can use VA financing with no down payment and no monthly mortgage insurance. See VA loans in Washington.
Programs that fit Island 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
Oak Harbor, Coupeville, Langley, Freeland, Camano Island, and every other address in Island County. County seat: Coupeville.
Common questions
What is the 2026 conforming loan limit in Island 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 Island County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Island County, including Oak Harbor.
Can I get a 0% down loan in Island 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.