Team Kristen arranges home purchase and refinance loans throughout Whatcom County, Washington, including Bellingham, Ferndale, Lynden, Blaine and Sumas. The 2026 conforming loan limit for a one-unit home in Whatcom County is $832,750; loans above that are jumbo.
2026 loan limits in Whatcom County
| Loan type | 1-unit limit |
|---|---|
| Conforming (Fannie Mae / Freddie Mac) | $832,750 |
| FHA | Set by HUD, at least $541,287. Look up Whatcom County |
| VA (full entitlement) | No VA loan limit |
Source: FHFA and HUD 2026 limits. Updated each January.
Buying and refinancing in Whatcom County
Buyers include university faculty and staff, Canadian-border commuters, agricultural workers and retirees; USDA covers many areas outside Bellingham and Mount Vernon.
Programs that fit Whatcom 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
Bellingham, Ferndale, Lynden, Blaine, Sumas, and every other address in Whatcom County. County seat: Bellingham.
Common questions
What is the 2026 conforming loan limit in Whatcom 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 Whatcom County?
Yes. Kristen Hordyk of Team Kristen is licensed in Washington and arranges loans for buyers and homeowners in Whatcom County, including Bellingham.
Can I get a 0% down loan in Whatcom 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.