How much house can you afford in Kirkland? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
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Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
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| After | Paid in total | Still owed |
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Dan Chapman - Fairway Home Mortgage CorporationPremium
5.0 · 161 reviews · Free pre-approval
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Kevin M. Pennington, Mortgage Broker
5.0 · 195 reviews · Free pre-approval
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Leah Zamir at Origin Point (NMLS #830846)
5.0 · 171 reviews · Free pre-approval
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An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
With over 25 years of experience and licensing across seven states, Dan Chapman at Fairway Home Mortgage focuses on making home financing clear and stress-free. The team assists with purchases, refinancing, and investment loans, guiding clients through market trends and options. Customers appreciate their responsiveness, transparency, and smooth communication throughout the process.
Known for clear communication and quick responsiveness, Kevin M. Pennington, Licensed Mortgage Broker, helps clients navigate home purchases, refinancing, and loan options with personalized guidance. The team works closely with all parties involved to keep the process smooth, though some clients note availability can vary during busy times.
Origin Point (NMLS #830846) specializes in home purchase loans and refinances, with a focus on making the mortgage process straightforward and accessible. The team is known for being responsive, often available evenings and weekends, and providing clear explanations that help clients feel confident throughout their homebuying journey. Customers appreciate their attentiveness and consistent… more...
Origin Point (NMLS #830846) specializes in home purchase loans and refinances, with a focus on making the mortgage process straightforward and accessible. The team is known for being responsive, often available evenings and weekends, and providing clear explanations that help clients feel confident throughout their homebuying journey. Customers appreciate their attentiveness and consistent communication, though the process can sometimes require patience due to its complexity.
Home Trust Financial focuses on finding mortgage loans tailored to each borrower’s unique situation, working with a wide range of lenders beyond typical bank options. Their team offers residential mortgage services and is known for clear communication and patient guidance, though some customers have noted challenges reaching the company at times.
Popach Lending focuses on clear communication and education throughout the mortgage process, helping clients feel confident in their loan choices. The team guides both first-time buyers and experienced homeowners through home purchases and refinancing, with responsiveness and transparency often highlighted. Some clients note the process can be detailed, but appreciate the thorough support.
Barry Friedman Loans is known for its personalized approach and clear communication throughout the mortgage process. The team specializes in guiding first-time homebuyers and those needing quick, efficient closings, often handling complex loans like jumbo mortgages. Clients appreciate the friendly, informative support that helps reduce stress from start to finish.
Specializing in guiding home buyers and refinancing clients through the mortgage process, this team offers clear communication and personalized support. They assist with competitive loan rates and timely closings, helping clients navigate bids and paperwork smoothly. Customers appreciate their responsiveness and honest approach throughout the journey.
LoanZilla offers Purchase, Refinance, and Reverse-Mortgage loans with a focus on saving clients money through lower rates and fees. The team is known for clear communication, responsiveness, and guiding borrowers smoothly through the mortgage process. Some customers note the process can be fast-paced but appreciate the attentive support throughout.
TriStar Finance specializes in finding home loan solutions tailored to a wide range of financial situations, aiming to make homeownership accessible. Their team handles everything from straightforward loans to complex cases, guiding clients through the process with competitive rates and timely closings. Some customers note occasional communication challenges, but many appreciate their… more...
TriStar Finance specializes in finding home loan solutions tailored to a wide range of financial situations, aiming to make homeownership accessible. Their team handles everything from straightforward loans to complex cases, guiding clients through the process with competitive rates and timely closings. Some customers note occasional communication challenges, but many appreciate their responsiveness and problem-solving approach.
Fairway Independent Mortgage Corporation offers a variety of home financing options designed to fit different needs, with a reputation for timely closings—sometimes in as little as 10 days. The loan officers provide clear, proactive communication throughout the process, helping buyers feel informed and supported from application to closing. Customers appreciate the team’s responsiveness and… more...
Fairway Independent Mortgage Corporation offers a variety of home financing options designed to fit different needs, with a reputation for timely closings—sometimes in as little as 10 days. The loan officers provide clear, proactive communication throughout the process, helping buyers feel informed and supported from application to closing. Customers appreciate the team’s responsiveness and detailed guidance, especially first-time homebuyers.
Lenders made 21,413 home-purchase loans in King County in 2025 (average about $841,000) and denied 1,927 — 8% of decided applications, compared with 9% across Washington, according to federal mortgage data (HMDA, CFPB). In Kirkland, the median home is worth $1,115,400 and 69% of owners have a mortgage, paying a median $3,632 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in King County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Dan Chapman - Fairway Home Mortgage Corporation | 5.0 | 161 | — | (425) 503-3209 | Visit |
| 2 | Kevin M. Pennington, Mortgage Broker | 5.0 | 195 | Quoted per loan | (425) 894-7852 | Visit |
| 3 | Leah Zamir at Origin Point (NMLS #830846) | 5.0 | 171 | Quoted per loan | (916) 910-3813 | Visit |
| 4 | Home Trust Financial | 4.7 | 94 | Quoted per loan | (206) 409-5273 | Visit |
| 5 | Popach Lending | 5.0 | 70 | Quoted per loan | (425) 522-2412 | Visit |
| 6 | Barry Friedman Loans | 5.0 | 58 | Quoted per loan | (425) 495-9654 | Visit |
| 7 | Taras Duhnevich, Home Loan Mortgage Advisor | 5.0 | 51 | Quoted per loan | (206) 694-3380 | — |
| 8 | LoanZilla | 5.0 | 44 | Quoted per loan | (425) 659-3388 | Visit |
| 9 | TriStar Finance, Inc. I HOME LOANS I MORTGAGE COMPANY | 4.5 | 34 | Quoted per loan | (888) 909-9024 | Visit |
| 10 | Pierce Rankin | Fairway Independent Mortgage Corporation Loan Officer | 5.0 | 18 | Quoted per loan | (206) 235-8677 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.