Team Kristen arranges home purchase and refinance loans throughout San Juan County, Washington, including Friday Harbor, Eastsound and Lopez Island. The 2026 conforming loan limit for a one-unit home in San Juan County is $832,750; loans above that are jumbo.
2026 loan limits in San Juan County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up San Juan County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in San Juan County
Island appraisals, wells, septic and second-home financing are routine here, and jumbo loans come up often.
Programs that fit San Juan 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
Friday Harbor, Eastsound, Lopez Island, and every other address in San Juan County. County seat: Friday Harbor.
Common questions
What is the 2026 conforming loan limit in San Juan 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 San Juan County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in San Juan County, including Friday Harbor.
Can I get a 0% down loan in San Juan 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.